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Guides
Friday, 20 May 2022

How to Save on Your Home Insurance in 2025

Are you looking for a home insurance quote and are wondering how to get a cheaper premium? Or is your current too insurance expensive and you are looking to lower your premium? Below are some of our best tips to get more affordable home insurance.

How to get more affordable Home Insurance

Are you in search of a home insurance quote that won't break the bank? Then you’re in the right place! Whether you're comparing quotes for the first time or seeking to trim expenses on your existing policy, we've got you covered. That’s why we’ve put together a selection of savvy ways to help you secure more budget-friendly home insurance rates. 

1. Shop Around for the best price

When it comes to home insurance, exploring different options is key. Seek out quotes from various providers to ensure you're getting the best value. Not sure where to start? Our team at Insure My House specialises in helping you find the right coverage. As experienced home insurance brokers, we work with top providers, meaning we can help you uncover the best deals tailored to your needs. Don't settle for anything less than optimal coverage at the right price.


2. Opt for a Higher Excess Amount

Consider increasing your voluntary excess to lower your home insurance premiums. Your voluntary excess is the amount you agree to contribute towards a claim. By opting for a higher voluntary excess, you could potentially reduce your insurance costs. Just ensure you're comfortable with the amount you choose, as it will affect the out-of-pocket expenses in the event of a claim.

3. Don't Pay for Extras you Don't Need

Take a close look at your policy and weed out any unnecessary coverage that's driving up costs. Also, resist the urge to overvalue your possessions, as it could hike up your premium. Keep your coverage simple and make sure you're only paying for what you actually need with your home insurance.

4. Invest in Security for your Home

Poor security at your home may make your home high risk for insurance companies. Home alarms, outdoor cameras, smoke detectors, locks and more can help you reduce your home insurance cost as it prevents potential thefts or unnecessary damage.

5. Pay Annually 

Most Insurance companies are willing to offer better deals when you can pay upfront for the entire year, so it’s worthwhile saving up before your policy renewal, so you can potentially save a lot of money on your home insurance. 

6. Don't keep High-Risk Items at your Home

Keeping high-risk items may raise the cost of your insurance as valuable items may attract thieves or be more susceptible to damage. If possible, consider storing high-risk items like jewellery and collectables in secure locations such as safes or lockers outside the home. This could help lower your home insurance premium and better protect your valuables.

7. Consider Bundling Policies

If you already have other insurance policies, such as car or life insurance, consider bundling them with your home insurance. Many insurance companies offer discounts for bundling policies together, which could result in significant savings on your premiums.

8. Maintain Regular Home Maintenance

Regular maintenance of your home's structure and systems can help prevent costly damage and reduce the likelihood of insurance claims. Be proactive about tasks like cleaning gutters, inspecting the roof for leaks, checking plumbing for corrosion, and maintaining heating and cooling systems. By staying on top of maintenance, you can catch potential issues early and address them before they escalate, ultimately helping to keep your home insurance premiums affordable.

If you have more questions about how to o get the best rates on your home insurance, contact a member of the InsureMyHouse.ie customer care team who will be happy to help you.