Seven Irish home insurance tips that you'll be glad you knew about!

Property | property

Searching for home insurance can be a stressful time, particularly when you’re not sure what you need for your home. This is why we have created a list of AXA’s Home Insurance top tips to help you get the very best home insurance for your requirements, giving you peace of mind that you have found the most suitable insurance for your home and lifestyle!

Irish home insurance advice

Tips to lower the cost of your home insurance

Finding the most suitable home insurance for your property doesn’t have to be an expensive task. Below is a list of our top tips to help you lower the cost of your insurance without falling short of your cover requirements.

Combine your Buildings & Contents Insurance

When looking for your home insurance, it is important to understand the differences between Buildings Insurance and Contents Insurance. Some people believe that you should insure your buildings and your contents separately, however this is not always the case. If you own and live in your home, and it is your main residence , sometimes it is more practical, and less expensive, to combine the two. Here at AXA, we have a combined Buildings & Contents Insurance which gives you peace of mind that AXA have you covered for both.

Check Your Policy Excess

One of the main ways to lower the cost of your home insurance is to check your policy excess. A policy excess is the amount that you agree to pay in the event of an insurance claim before your insurancecompany pays the rest. When applying for your home insurance, you may be able to raise your policy excess, which in turn may lower your insurance premium. This is mainly because you are agreeing to take a higher financial burden when an unforeseen incident occurs before the insurance company will pay the rest of the claim.

Build Up Your No Claims Discount

One of the main ways to help lower your insurance premium is to build up your no claims discount. The more years that you have not submitted a claim to your insurance company, the higher a discount you can receive (up to a maximum saving depending on the insurance provider). Here at AXA, we offer up to 30% no claims discount to all our home insurance customers provided they meet the necessary criteria.

Check for Any Available Discounts

Here at AXA, we offer our customers a 15% discount on their home insurance if the insurance policy quote is issued via our website. We also offer a multi-policy discount on all of our policies, which means that if you have your car or van insured with us, we will give you a discount on your home insurance or vice-versa.

Irish home insurance advice

Safety Tips You Should Consider Which Can Help Lower Your Home Insurance Costs

Install an Intruder Alarm

One thing which can help to protect your home, and in-turn lower your home insurance, is having a working, approved intruder alarm. By installing an intruder alarm, you are adding an extra layer of protection to your home as it will often work as a deterrent against burglaries. Insurance Providers may see this as a lower risk compared to those who do not have an intruder alarm installed, and this can reduce your insurance costs. Here at AXA, we offer our customers a Safe Homeowner Discount of 10% automatically once they have an approved working intruder alarm installed.

Don’t Under Insure your Property

Although it may seem like a good way to help lower your insurance costs, underestimating the insurance value can have major repercussions in the event of unforeseen circumstances. If you decide to under-insure your property and it is damaged in the event of a storm or theft, you may be left to pay out of pocket.

Choose the Right Extras for You and Your Property

When it comes to home insurance, almost all insurance providers allow you to avail of a range of add-ons. With AXA, one of the add-ons we offer is insurance for your personal property such as laptops or phones. By availing of this extra, you are adding an additional layer of protection to your property and ensuring that if a theft or damage occurs, you are protected, despite the incident not occurring in your home subject to terms and conditions (see policy documents for more information).

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