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Home Insurance Tips Always check you excess amount when taking out home insurance policies. If your excess is set too high then it could stop you from making smaller claims but it will reduce the cost of your policy. Set it too low and it will increase the cost of your premium but make it cheaper to make smaller claims.

Home Insurance Payments

Try to pay your home insurance premium in one lump sum or find a company that will accept interest free monthly payment options.

Owning a dog may not affect the price of your policy however is a great deterrent to potential thieves.

Insure your contents for the correct value. Undervaluing can affect the amount you are awarded should you make a claim.

Join a neighbourhood watch scheme.

Where you live

Owning a property in a cul-de-sac can put off potential thieves as everyone living in the same road can see who is arriving and leaving giving the theif a greater chance of being seen by somebody you know. After all, your street is a little community and by protecting you, your neighbours are protecting themselves too.

Always read the smallprint to find out your excess amounts and to discover if you have a new for old policy etc etc.

Claims

Think carefully before you make a claim. Remember your record and your no claims bonus or discount will be affected upon making a claim . This will directly affect your home insurance premium in the future.

Visit www.aph.org.uk and let us help you choose your home insurance options.