Une maison représente généralement le plus important achat de notre vie. De plus, elle contient tous nos biens et ce, au même titre qu’un logement. Il va donc sans dire que nous souhaitons que notre logis bénéficie de la meilleure protection possible… Mais cela ne signifie pas que nous ne souhaitons pas réaliser des économies sur notre prime d’assurance habitation pour autant ! Surtout que cette dernière augmente d’année en année en raison de la hausse du coût de reconstruction…
In this article, Assurance Multi-Risques would like to share with you the pitfalls to avoid if you want to reduce your home insurance premium.
7 mistakes to avoid to save on your home insurance premium
Complaining too often
To avoid any increase, it is recommended that you keep a clean record with no claims. As with car insurance, this will allow you to take advantage of discounts reserved for people who have never made a claim.
Of course, life’s ups and downs sometimes make it impossible not to file a claim. In this case, only file a claim when it’s worth it. An independent insurance broker can help you make the right decision.
Failing to install an alarm system
Installing an alarm system connected to a police station could earn you a discount of up to 15%! However, the savings you can achieve vary from one insurer to another.
An independent insurance broker representing several companies will be able to find the most advantageous price for you by comparing quotes from several of them.
Smoking
Fires are one of the main risks in home insurance. So, if you are a non-smoker or refrain from smoking, you could benefit from a discount!
Failure to declare renovations
You may have mistakenly believed that any improvements made to your property will increase your premium. While this may be the case, it is not always true.
But some renovations—such as upgrading plumbing, replacing the roof, removing a wood stove, or replacing an oil heating system—could actually save you money! So it’s best to report them to your insurer.
Opting for inadequate protection
Make sure you have all the insurance coverage you need for your property. That way, you’ll be well covered in the event of a claim, which will save you money. Also, don’t opt for unnecessary coverage, as it will result in unnecessary expenses.
Completely impartial, an independent insurance broker can guide you in your selection.
Failing to update your file regularly
Certain changes in your life and, as mentioned, certain improvements to your property may render some coverage unnecessary. So take the time to update your file with your insurer to ensure you’re paying the right price!
*Pour savoir quand il vaut la peine d’informer votre assureur, vous trouverez dans ce précédent article de blogue une liste de plusieurs facteurs influençant votre prime.
Do not do business with an independent insurance broker
Instead of shopping around for insurance companies yourself, trust an expert in the field: an independent insurance broker.
Since they represent several insurers without having any financial ties to them, they are free to find the best coverage for you from one of them at the most advantageous price possible. They are also able to advise you, take care of everything, and handle the paperwork on your behalf.
In conclusion, whether you are a homeowner or a tenant, your home must be well protected! However, it is always a good idea to save money. But you must do so properly, without neglecting your coverage.
Pour ce faire, un courtier d’assurance indépendant est votre meilleur allié, car il peut vous dénicher les meilleures protections au meilleur prix. N’hésitez pas à contacter un des membres de l’équipe AMR pour une soumission !
Et pour savoir comment économiser sur votre prime d’assurance auto, consultez notre précédent article de blogue sur le sujet.