How To Get The Best Home Insurance Cover

Home insurance, both buildings and contents insurance is a key requirement for homeowners but as premiums rise we take a look at how to get the best home insurance cover.

Buying home insurance

Buying home insurance

Consumers are no doubt keen to buy home insurance cover at the cheapest price.

It is not though just about the cheapest price though.

Critically the right level of cover must be bought to meet individual needs and this needs to be obtained at the lowest price possible.

Steps can be taken to improve your chances of securing a lower premium.

With the help of moneysupermarket we take a look at home insurance top tips:

  • Change the locks – If you’ve moved to a new home  you never know who might still have a key – remember five-lever mortise locks are recommended for external doors while  windows should ideally have two bolt locks
  • Install a good home security system – Sometimes  there are alarm systems that might be preferred by an insurer eg the  NACOSS standard alarm can cut premiums with some companies by 7.5%
  • Time-switch lights – Your home is more vulnerable  to theft when you are not around, having time-switch lights can help give the  impression that you are at home
  • When away from home – Remember to cancel newspaper and  milk deliveries and ideally ask someone you can trust to open and close the  curtains and collect mail.
Keep your keys safe

Keep your keys safe

  • Install security lighting – illuminate your  visitors for their safety as well as your own – somone in a spotlight is unlikely to loiter
  • Join a neighbourhood watch campaign – this can help to reduce your premium if you inform the home insurance  company of your participation in a scheme
  • Take action to avoid frozen and burst pipes – If you think pipes are frozen, turn off water at the valve and header tank to cut down the water that can escape
  • Fire – Fit a smoke alarm and take simple steps to  avoid accidents. Most fires in the home are caused by smoking or  cooking; never smoke in bed, don’t leave cigarettes lying around and  don’t leave cooking unattended. Also close doors at  night to contain fires, check the home is safe before going to bed and keep matches away from children
Don't smoke

Don’t smoke


    • Don’t smoke – Most insurers will now ask if you are a smoker as the fire risk increases if you are
    • Think carefully about the cover you neeed – For example, do you really need accidental damage cover? This can increase premiums by 25%.
    • Don’t claim unless you need to – The fewer the  claims, the higher your no claims discount. If there’s a minor minor issues that  would be inexpensive for you to cover with your own cash, it might be better to do so.

    As Julie Owens of comments: “The amount of fraudulent home  insurance claims is really shocking; there are now around 170 per day.

    It is a shame that dishonest consumers are forcing up costs for  everyone.

    This has resulted in many insurers no longer promoting  incentives or offering a discount on their products.

    The only way for  consumers to ensure they get a good deal is to compare prices and ensure  that they get the right level of cover they need at the lowest possible price.”

    Diane Ray, comments: If your requirements are not standard, perhaps for example you have a high value property, multiple properties or perhaps a high value collection, it is unlikely you’ll get automatic online quotes provided through comparison sites and standard home insurance may not be your best deal.

    In these circumstances you may be better covered by High Net Worth home insurance or high value home insurance and you’re likely to benefit from getting  professional insurance advice and guidance from an insurance broker.

    So an option is to buy High Net Worth home insurance via an Insurance BrokerMoneyHighStreet has partnered with a leading insurance broker, W B  Baxter Insurance Brokers Ltd, to offer High Net Worth home insurance  advice and products via a top quality service.

    Contact Baxters and get Free advice about your high net worth home insurance, understand what your best options are and as appropriate buy home insurance.

    Media Netrix Limited is an Introducer Appointed Representative of  W B Baxter Ltd, an insurance intermediary authorised and regulated by  the Financial Services Authority (FSA).   W B Baxter Ltd is bound by its  rules in the conduct of its general insurance mediation activities.    

    Details of W B Baxter Ltd’s authorisation (registration No 146480) can  be checked by visiting the FSA’s website or by telephoning 0845 606 1234.

    Please note that as an Introducer Appointed Representative of W B  Baxter Ltd, Media Netrix Limited is not able to give you advice on any  general insurance products or the W B Baxter Ltd services.

    The  registered office of W B Baxter Ltd is 263 Cranbrook Road, Ilford, Essex IG1  4TG.   Registered No 277519.


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