Finding cheap contents insurance can be a real challenge as most insurers are just plain ripping us off. premiums are sky high and claims are extremely difficult. Finding a good insurer is just as important as finding a cheap one. Policies and prices vary greatly and by simply shopping around you can find cheap home and contents insurance that provides adequate cover.

Apart from shopping around, there are some basic things that you can do that will allow you to get cheap contents insurance regardless of the provider. Lets quickly look at some of the aspects that will help you save across the board.

- Smokers
If you are a smoker, then your home is at a higher risk and your policy will have a premium for this. Non smokers and homes where there aren’t any smokers are obviously at a much lower risk of fire and therefore you can save.

- Security
When it comes to contents insurance the threat of burglary is always there and if you have proper home security it can greatly reduce your monthly premiums. Consider installing an alarm system before you apply for your new insurance policy. burglaries is one of the biggest threats to your home contents and this alone can go a long way to getting you cheap contents insurance.

- Communal Safety
In neighbourhoods that is considered a safe community, the insurance rates are much lower. Check with your local council to see if you have a neighbourhood watch in place and check to see if you can initiate a similar program as this will benefit the entire community’s safety record with insurers.

- Garage Location
In terms of building insurance, the garage holds a great risk. The fact that it contains flammable liquids and often a lot of chemicals, boilers and gas connection its something that can hold a lot of risk. The location and proximity of your garage to your home plays an important part in the risk factor of your building insurance. By locating your garage a safe distance from your home you can save on your buildings insurance.

- Renovating
Old homes are generally considered more risky for insurers. Old wiring is one of the major causes of home fires and faulty gas lines can often be found in houses that are 75 plus years old. When you renovate an old home, you might be entitled to a discount on your home insurance. This is also an important consideration when you buy a new home as older homes tend to have higher premiums.

Although some of these things might sound silly, it can really add up. Getting cheap contents insurance comes down to ticking a lot of these boxes. Most of all you need to compare contents insurance quotes against each other and shop around for the best deals.
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