Shopping around at as many house insurance websites as you can is a great way to get a policy. There are so many great deals out there to be had, but it always seems like an impossible and lengthy choir. Just make sure that you pick a reputable provider such as Direct Line, Saga, More Than or Avivia. Get a quote from each one and then compare features, excess, exclusions and price of each policy. Take into account the online discount and any other benefits such as free contents cover when you purchase buildings insurance, free home emergency cover and any other incentives. Before you get a quote from each one make sure you compare like for like on the policy features and excess, this way you’ll know who is offering the best deal for you and your home.

Reducing the risk of making a claim is a good way to reduce the premium. Think about fitting security features that will keep your property and its contents safe from damage and theft. You can do this by fitting a burglar alarm, locking doors and windows with dead locks. These methods will help to prevent you making a claim and the insurer will reward you with a small saving or discount. The less risk you are considered to be will result in a lower insurance premium.

Some property owners like to phone and get in touch with the supplier and try to barter with the insurer on price in hope that they will reduce the premium cost. If you do this then you will not be able to get the online discount that most providers offer and this is around twenty five percent.

On average over fifty percent of homeowners do not get another quote, this statistic is a bit alarming because it kind of shows that the once the insurance company has you on their books you are likely to stay with them for a few years, and that better for them. They always tend to put the price up as well each year if you notice; it never seems to come down in price.

Anyway here are just a few ideas that could save you some money. Look at increasing the excess on the policy to a higher amount; this will reduce the price of the premium. Be careful though because if you make a claim, this is you contribution towards the cost of the repairs.

Has your property got a security alarm fitted? Insurers will give small discounts to homes that take security seriously and attempt to keep thieves out of their home. The same goes if you are a member of the neighbourhood watch scheme. Cooperative home insurance may give an additional discount. Check then out!

Having a smoke detector can also get you a small discount too; it helps to prevent fire damage in your home.

It is sometimes cheaper to buy buildings and contents insurance separate rather than a combined policy, take the time and get a quote for each policy separately. The insurers always seem to bulk these two policies together with an incentive to buy both, such as free contents cover or half price contents cover.