Read these simple six tips before you start shopping around online for home insurance as they could lower your buildings and contents premium for your home and save you money.

Number One: Shop around for your home insurance, why not use a comparison guide to help you compare as many providers as you can. Remember to also check the levels of cover, excess and exclusions to make sure that you’re getting the right deal for you.

Number Two: Check online for multiple policy discounts as most home insurance companies will offer an attractive discount if you buy all your insurance policies such as car insurance and travel insurance from the same insurance company.

Number Three: You can also increase the voluntary excess on your home insurance policy as some insurers will offer you a cheaper premium for higher excess. But don’t forget that this also means you will pay more in the event of a claim.

Number Four: Install a smoke and security alarm. Most home insurance companies offer discounts for installing a NACOSS approved burglar alarm. Joining your local neighbourhood watch scheme may also lower your home insurance premium.

Number Five: Separate your buildings and contents insurance. Combined insurance is not always the best value so do shop around for each in order to get you the best deal.

Number Six: Review your home insurance policy regularly and make sure you review your possessions valuation to make sure you’re not paying for cover that you no longer need.

These tips I share with you are a number of ways you can potentially reduce your home insurance premium when you buy online. Consider all the points above for a lower home insurance quotation online.  Simon Smith