How to Reduce Home Insurance Costs

There are many benefits to taking home security seriously – not only does it ward off criminals and help to protect your valuables, but it can even pay for itself in terms of lower Castle Cover house insurance.

Home Insurance

Home Insurance

Thieves generally pick easy targets, such as a home with an open door or window, but if these are in short supply they are more likely to move on to the least secure-looking home they can find – so having prominent burglar alarms, good lighting and robust door security will help to prevent burglars from trying in the first place.

Your doors are the main point of entry to your house, so they should be protected as much as possible. Even if you have a sturdy door, it’s not difficult for intruders to force the lock unless you have a deadbolt and reinforced strike plate. Strike plates don’t cost much and they add an extra layer of security – although if you really want to beef up your doors, a grate is probably the most effective choice.

Good outdoor lighting will also make a big difference, particularly in the winter months, as burglars often rely on being able to make a getaway in the dark. Motion-sensitive lighting provides a surprise that might put a thief off completely, particularly if it also illuminates your burglar alarm.

You may also be able to qualify for discounts on your home insurance if you can show your insurer that you have taken steps to protect your windows with toughened glass or improved locks. Putting down gravel beneath your windowsills will help to alert you to anybody prowling around outside.

It’s also worth remembering that home insurance isn’t just there to protect against theft – stepping up your smoke alarms, fire extinguishers and flood defences can all help you to negotiate lower premiums. As well as paying less for insurance, you’ll be adding to the value of your home and, most importantly, ensuring the safety of your family and belongings.

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