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41 Home Insurance Savings Tips

21. Heating

Insurers like forced-air gas furnaces or electric heat installations. If you have an oil-heated home, you might be paying more than your peers who have alternative heating sources.

22. Bicycle

You are buying a new bicycle and thinking about getting extra protection in case it is stolen when you leave it on the street e.g. when doing your groceries? Your Home insurance might be covering it already.

23. Stop Smoking

Some insurers increase their premiums for the homes with smokers as there is an increased risk of fire.

24. Clean Claim History

Keep a clean claim record without placing small claims, sometimes it makes sense to simply repair a small damage rather than claim it. You should consider both aspects your deductibles and a potential rise in premiums.

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