* Get all the discounts you qualify for. Insurance companies offer discounts for non-smokers and for retired people. You might also qualify for discounts if your home has safety and security features such as deadbolt locks, fire extinguishers, window locks, burglar alarms, and smoke alarms. And finally, insuring both your home and car with the same company can get you a 5% to 15% discount.

In this economy saving money is the name of the game, and lowering your homeowners insurance cost is one of the best ways to do it. Here are the top 10 ways to save on homeowners insurance.

According to Annie Shaw, director of online resource Cash Questions, all attendees of universities must not ignore the need to sign up for contents and buildings insurance and should instead take stock of their personal situation to decide if they need it or not.

The deductible is the amount you pay toward any insurance claims before the insurance company begins to pay. By setting your deductible as high as you can afford, you will lower your premium.

This act of taking separate insurance policy for the home and its contents will be helpful in keeping the cost of the home insurance UK low. By focusing only on the home insurance, one can increase the chance of getting a suitable deal. A little knowledge about the insurance market also works very well in striking a cost-effective deal.

To decide what amount of coverage you need, you should think of how much amount will be needed, in case you have to rebuild your house, if it gets damaged due to some hazard. But always remember that this cost will not be equal to the original cost it took to build your house, remember that once your house gets damaged due to any natural calamity, even the land or the plot on which your house is built, will also get damaged. Thus, you should take into account all those things that can get damaged, and estimate the cost required accordingly.

• Another important thing that you need to look out for, while having a look at the mobile home insurance, is the liability cover. This is mostly included in all types of mobile home insurance policies. The liability coverage helps in protecting you, in case you are found guilty in any accident case which has caused some serious injury or damage to a third person. This cover includes medical bill, property damage and any other additional cost that you encounter.

To get your quotes, all you have to do is fill out a simple online form with basic information about yourself, your home, and your insurance needs. For example, you will need to include:

The biggest concern after one has manged to buy/construct a house is that of protecting it. Protecting a house indeed is important. After all a lot of effort as well as time and money goes into the making of a house. Its protection therefore should be given top priority. Talking about security, there are some very potent enemies that can cause considerable damage to the home. Threats like flood, lightning, earthquake, burglary etc. can wreck havoc with your house which can really land you into a very tight spot. It is here that home insurance UK steps in and ensures that one is bailed out from such a trying situation by bearing all the expenses of the repair with the concerned person not requiring to pay a single penny.