How to reduce your home insurance premium?

The best way to reduce your home insurance premium is to cut the risk of the insurer having to pay out. This can be done in a number of ways -
1. Fit a burglar alarm in the home,
2. Put latest and advance locks,
3. Join a neighbourhood watch scheme,
4. Install security lighting,
5. Reduce fire risk - Install and maintain smoke alarms.
6. Increase the standard policy excess - If you are willing to cover more of the cost of any claim then you will reduce your home insurance premium.