Home insurance: 3 simple tips to reduce the bill!

Whether you are a tenant or an owner, it is necessary to take out home insurance. The latter covers you from the vagaries of daily life by allowing you to be compensated in the event of a claim in your home. That doesn’t mean it has to be too expensive, though. There are solutions to save on your insurance premium without sacrificing your coverage. Here are 3!

Find the home insurance offer that suits your needs

Before choosing your home insurance, take the time to accurately assess your needs. This may seem obvious, but in practice, many insurances deemed too expensive are simply not suitable for the situation. Do not hesitate to compare several quotes. After finding 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 retain only those that will really be useful to you.

Increase the amount of your deductible

The deductible indicates the sum that remains your responsibility when you file a claim with your insurance company. For example, if the amount of the claim is 800 euros and your deductible is 300 euros, your insurer pays you 500 euros. The higher the amount of the deductible, the lower your contribution. Thus, if you agree to pay more in the event of a claim, your home insurance will cost you less. Nevertheless, this deductible must be defined realistically in order to find the ideal balance for your budget.

Take good care of your home

If your home is well maintained, you are less exposed to disasters. It should therefore be kept in good condition as much as possible. Do not hesitate to carry out renovation work from time to time. These transactions affect the amount of your contribution. You can, for example, renovate your electrical circuit to prevent fires. Installing a water leak detector also reduces the risk of water damage. Remember to regularly update your contract according to changes in the characteristics of your accommodation.

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