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HomeProperty InsuranceHome InsuranceAssetsure finds people paying for free insurance information

Assetsure finds people paying for free insurance information

Assetsure finds people paying for free information – Assetsure recently found a web site that was offering to sell for quite a few pounds The insider guide to obtaining cheap home insurance. Well let us save you the,money if you have seen this ebook for sale, we can share the benefit of our knowledge with you for free. Like most other types of policy, there is no such thing as cheap home insurance, everyone offers to save you money but they can’t all offer the cheapest quote. There are a number of things you can do though to make sure you do not overpay and a number of discounts that may be available to you.

  • Always shop around, only by comparing as many products as possible can you possibly know that you have got the best deal.
  • Insurance companies often give discounts from their home policies for improved security, you could consider adding better locks to your doors or windows or you could install a burglar alarm.
  • Having security lighting or window shutters may entitle you to a discount.
  • Join a neighbourhood watch scheme.
  • Fitting smoke alarms to you property in some cases will provide you with a discount.
  • If you are over a certain age or retired you may get a discount.
  • Having double glazing.

One of the largest discounts you can obtain, relates to taking an excess under the policy. The term excess relates to the first portion of the loss you are responsible to pay. Usually, you will have to pay the first £50.00 of any claim, rising to a £1000 for subsidence claims. You can take a voluntary excess on top of this and insurers will usually consider amounts up to £500.00. Apart from the above suggestions any other bright ideas from companies to reduce you home insurance premium should best be ignored. One of the most ill conceived ideas is not to declare the full value of your Contents or Building (Under Insure). If you under insure and you have a claim, even if it is not for a total loss, the insurers will probably apply an average clause to your claim which will have the effect of reducing your settlement in direct proportion to the amount of under insurance.

Working from Home – With more and more of our daily routine being controlled by computers, insurers are finding that many customers are ditching the office and working at home. Many companies have set up networks so as employees no longer have to commute in to work. If you work from home, remember to tell your insurance company as most home insurance polices do not cover any form of business use. Generally speaking if your work is clerical only then your insurance company should be reasonably happy although they may want you to provide a sum insured for business equipment. If you run any other type of business from home, especially one where members of the public come on to the premises, then you will need additional public liability insurance and you may have to take out a separate policy.

Latest News & Advice

Woodworm Dry Rot

Woodworm Dry Rot

Woodworm, Dry Rot and Wet Rot. One of the most costly maintenance problems for homeowners is woodworm, dry rot and wet rot. If left untreated it can huge amounts of damage to the interior of your home. There are treatments and remedies to prevent it’s spread and to eliminate the problem it becomes critical. Woodworm is most commonly caused by the furniture beetle which leave larvae boreholes inside the major woodwork elements of a property. These area include the roof timbers, joists, staircase and floorboards. Woodworm can also infest ordinary household furniture causing a home insurance claim problem....

Types Door Window Locks

Types Door Window Locks

Types of Door and Window Locks – when purchasing a home insurance policy, you may find that your insurance company want you to have certain security measures in force at your property. These should be studied most carefully as without the correct protection being in force, you may find your cover compromised in the event of a claim. For most people, this involves having good quality door and window locks. Good physical security at your property, will be of a far greater benefit in deterring Theft than having an alarm fitted, but not being a lock expert, have do you discover if you have the correct locks fitted at your home?...

Subsidence Structural Problems

Subsidence Structural Problems

Preventing or Dealing with Subsidence and Structural Problems.Whilst subsidence is usually covered by a building insurance policy, it is definitely something that you do not want to happen at your property if at all possible. Claims for subsidence can be on the large side ( hence the reason for the standard policy excess being £1000) and even if the building is repaired by the insurance company, you may find that’s in the future, insurance is harder to source ( and possibly more expensive) and the market value of the property and it’s marketability may also diminish...

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