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The last thing any of us want to do is claim on our home insurance. If we do it means that something has gone seriously wrong and it is usually that we have been broken into and our possessions stolen or broken in the process. It also means that, because we have put a claim in, our next insurance quote will be higher and in these tough economic times that is definitely something that we do not want to happen. There are ways to get a discounted home insurance though and it is often all to do with where you live and how secure your home is.

For example, if you live in an area that has a neighbourhood watch scheme then mention this to your insurance company as you can sometimes find a reduced quote if this is the case. You may also want to consider upgrading your home security to include things like stronger locks, CCTV and even motion sensors perhaps. These small upgrades can all go a long way to seeing your final insurance quote come down quite considerably. Other small things such as if you own a dog can make a difference too. You may not think to mention it on your application but a pet such as a dog can make your home more secure and therefore see the price come down.
Chances are that you will never need to make an insurance claim and the vast majority of us do not. However, the whole point of insurance is to be prepared and it is far better to be covered than not. Even if you do raise your excess by a few hundred dollars then the worst that will happen if you will pay a bit more before you can make a claim however without proper insurance you will have to cover everything yourself.