Home Insurance Discounts
Find the best home insurance discounts by comparing quotes from up to 50 different providers
Whether you live in a chic metropolitan apartment or a country bungalow, a family-friendly semi-detached or a flat in the city, your home is likely to be one of the most expensive and long-term investments you’ll ever make, which is why it would be a good idea to take out a suitable home insurance policy to protect your home.
Of course, just because it’s a good idea doesn’t mean you should pay over the odds for that policy. By shopping around and getting quotes from a wide range of different insurance providers you stand a far better chance of discovering the best home insurance discounts.
Is it true insurers will offer home insurance discounts if I install new security systems?
While it’s by no means a universal rule, some insurance providers may be willing to offer you a home insurance discount if you upgrade your property’s security systems.
There’s a fairly obvious reason why insurers might offer a discount on the premium in this case - better security systems could reduce your risk of being burgled, which would in turn make you a lower insurance risk for the insurer.
However, there are many different types of home security systems, ranging from perimeter sensors and intruder alarms to motion-sensor lights and CCTV, so it’s important to check with your own insurance provider to confirm what types of security systems might have an impact on your premium.
It’s also important to bear in mind that insurance providers will sometimes insist that a security system must be installed by a certified security installation specialist, so a self-install alarm system might not help you find better home insurance discounts.
Do certain occupations benefit from better home insurance discounts?
If you happen to work for the NHS, the civil service or the armed forces you could find that one or two specialist insurance providers might be willing to offer you a home insurance discount on the basis of your occupation.
However, in most cases you’ll find the best home insurance discounts by shopping around and comparing quotes, and you don’t have to work in a particular profession to do that.
How do I go about finding the best deals on home insurance?
Renewal quotes are often more expensive than the premium you might be quoted an insurer you haven’t used before, specifically because some insurance providers offer home insurance discounts to new policyholders. So as already mentioned, the first and most important consideration when you’re looking for a cheaper home insurance quote is shopping around by comparing quotes from a wide range of other providers.
Before you sign up for a new home insurance policy it’s also worth bearing in mind that some banks offer their account holders home insurance discounts when they sign up for a new policy, and a few even offer account holders free home insurance.
Can I get a bigger home insurance discount if I insure multiple properties?
Yes, if you own more than one property many insurance providers will offer you a home insurance discount if you insure both properties with them.
However, it’s worth mentioning that if one of those properties is a buy-to-let that you rent out to tenants then you would need a separate landlord insurance policy for that property, rather than standard home insurance.