How to save on their home insurance premium?
Home insurance that you own or rent, is required because it is never safe from an unfortunate event like a fire, burglary or accident. So you protect your home and your belongings in case of damage, loss or theft. But with insurance, said premium, which said output of said premium money. So, here are some ideas for how to save a little money on your home insurance premium.
The calculation of the premium
The insurance premium is the amount that the subscriber agrees to pay in return for the guarantee of the insurer. The first pay the premium in the second which, in turn, supports a portion or all of the responsibility in case of disaster. In other words, a transfer of responsibility or obligation between both parties.
In addition to the choice of your insurer, the insurance premium also depends on certain factors. It will be higher if you are the owner (the size of the guarantee is larger), if it concerns a secondary residence (as left quite a long time uninhabited because it may be more prone to theft, …), if l ‘house is located in the Paris region, though it contains many parts, if the value of real estate to ensure capital is high and according to the franchise taken (it is more important, plus the premium is low).
So first of all, to thereafter make some savings on the premium, compare prices, franchises and guarantees of individual insurers. Each insurer develops its own grid to estimate the risk you represent for him.
Increase its franchise
By increasing your deductible, you reduce your insurance premium. It is therefore possible to request the highest deductible you can take in the event of a disaster. You must, for against, reflect the amount that you would be able to cover if, God forbid, an accident occurs. So beware!
Consolidate
A simple solution to reduce some of the premium of the insurance is contracted with your insurance company one or more other insurance. Indeed, if in addition to your home insurance you take out car insurance, your insurer will go to see the premium on the downside. Economy up to approximately 10%.
In addition, check your contract and see if you do not have insurance or insurance options that cover the same property, because it is useless. Keep more money and waste less money.
Provide something new
Much of the insurers will reduce the insurance premium, if it is contracted for a new home less than 10 years. Economy up to about 12%.
Securing
Of course, it goes without saying that you better protect your home plus the insurance premium will be interesting. So, be aware that if you install an alarm system approved and linked to a central station, you can get it. Economy up to about 15%.
Show white-footed
As is the case for motor insurance for example, if you have a clean record of damage-habitation, the insurer will necessarily benefit from a more favorable premium if your file is already complete in terms of fire , burglary, or theft. Economy up to approximately 10%.
Set in one fell swoop
You can stagger the payment of the premium housing several times or to pay at once on the date specified in your contract. Note that if you usually pay more, you also pay interest. So in the best case, pay your home insurance premium in one go.
Did you know?
Sometimes insurance companies will ask you about the habits of the household. You may be required if a smoker at home. And if so, your insurer will this as a possible cause of fire and you will pay your premium.
