Whether you are a renter or a landlord, it is essential to have home insurance. The latter covers you from the vagaries of everyday life by allowing you to compensate in the event of a claim in your home. This does not mean that it has to be very expensive. There are solutions to save on your premium without sacrificing your insurance coverage. Here 3!
Find the home insurance offer that fits your needs
Before choosing your home insurance, take the time to thoroughly assess your needs. This may seem obvious, but in practice, many insurances that are considered expensive simply do not fit the situation. Feel free to compare several quotes. After you find the offer that suits you, carefully analyze the contract. Note that the amount of your contribution depends on the number of guarantees included. Study them one by one and keep only what will be really useful to you.
Increase your discount amount
The deductible refers to the amount that remains your responsibility when you file a claim with your insurance company. For example, if the claim amount is 800 euros and the deductible is 300 euros, the insurance company pays you 500 euros. The higher the discount amount, the lower your contribution. Thus, if you agree to pay more in the event of a claim, your home insurance will cost you less. However, this discount must be determined realistically in order to find the perfect balance for your budget.
Take good care of your home
If your home is well maintained, you are less prone to disasters. So it should be kept in as good condition as possible. Feel free to do renovations from time to time. These transactions affect the amount of your contribution. You can, for example, renew your electrical circuit to prevent fires. Installing a water leak detector also reduces the risk of water damage. Remember to update your contract regularly according to changes in the characteristics of your place of residence.