5 Tips For Choosing Household Contents Insurance

Here are five handy tips on how to find the best household contents insurance package for you: 

1. Do your research :  Whether you're chatting to family and friends, comparing like-for-like quotes online or speaking to your insurance broker, it's important that you take the time to research the options that are available. That way you'll be better prepared to find the best household contents cover for you and your possessions. 
   
2. Look at the premiums : First you need to decide if you can afford the household contents insurance premium you've been quoted. Does it fit into your monthly budget? You also need to understand that some companies use very cheap premiums to get you to sign up, but then they increase the premiums drastically when you renew your policy – so do some research on this too. 
   
3. Compare apples with apples : It's important that you take a close look at that household contents insurance quote you've been sent. Your premium may seem low, but ask yourself: is this because I'd have to pay a really high excess? Am I covered for all risks, or does the quote only cover my possessions when they're in my home? Once you've looked at these finer details, you'll have a clearer picture of how much value your home contents insurance package will really give you.
   
4. Get a bundle deal : Sometimes buying household contents insurance AND car insurance together means you can get a much better deal and pay a lower monthly premium. If you already have car insurance, consider changing to a single insurer so you can cut costs. 
   
5. Go with a reputable insurer : Does the insurance company you're thinking of going with have a reputation for treating its clients fairly and honestly? Does it deal with claims efficiently and pay them on time? What is its claims rejection rate like? It's important to choose an insurer that has a reputation for fairness, honesty and transparency. After all, it'll be insuring your most valuable possessions and taking care of the things that matter most to you. 
   

Once you've taken all these tips into account, you'll be better prepared to find the perfect household contents insurance package for both your lifestyle and your wallet.