{"id":8926,"date":"2019-08-05T11:55:58","date_gmt":"2019-08-05T15:55:58","guid":{"rendered":"https:\/\/multi-risques.com\/trucs-et-conseils\/reducing-home-insurance-premiums-7-mistakes\/"},"modified":"2026-04-01T14:15:28","modified_gmt":"2026-04-01T18:15:28","slug":"reducing-home-insurance-premiums-7-mistakes","status":"publish","type":"cke_blogue","link":"https:\/\/multi-risques.com\/en\/tips-and-advice\/reducing-home-insurance-premiums-7-mistakes\/","title":{"rendered":"Lowering your home insurance premiums: 7 mistakes to avoid"},"content":{"rendered":"\n

Une maison repr\u00e9sente g\u00e9n\u00e9ralement le plus important achat de notre vie. De plus, elle contient tous nos biens et ce, au m\u00eame titre qu\u2019un logement. Il va donc sans dire que nous souhaitons que notre logis b\u00e9n\u00e9ficie de la meilleure protection possible\u2026 Mais cela ne signifie pas que nous ne souhaitons pas r\u00e9aliser des \u00e9conomies sur notre prime d\u2019assurance habitation pour autant\u2009! Surtout que cette derni\u00e8re augmente d\u2019ann\u00e9e en ann\u00e9e en raison de la hausse du co\u00fbt de reconstruction<\/a>\u2026<\/p>\n\n

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.<\/p>\n\n

7 mistakes to avoid to save on your home insurance premium<\/h2>\n\n

Complaining too often<\/h3>\n\n

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. <\/p>\n\n

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. <\/p>\n\n

Failing to install an alarm system<\/strong><\/p>\n\n

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. <\/p>\n\n

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.<\/p>\n\n

Smoking<\/h3>\n\n

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! <\/p>\n\n

Failure to declare renovations<\/h3>\n\n

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. <\/p>\n\n

But some renovations\u2014such as upgrading plumbing, replacing the roof, removing a wood stove, or replacing an oil heating system\u2014could actually save you money! So it’s best to report them to your insurer. <\/p>\n\n

Opting for inadequate protection<\/h3>\n\n

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. <\/p>\n\n

Completely impartial, an independent insurance broker can guide you in your selection.<\/p>\n\n

Failing to update your file regularly<\/h3>\n\n

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! <\/p>\n\n

*Pour savoir quand il vaut la peine d\u2019informer votre assureur, vous trouverez dans <\/em>ce pr\u00e9c\u00e9dent article de blogue<\/em><\/a> une liste de plusieurs facteurs influen\u00e7ant votre prime.<\/em><\/p>\n\n

Do not do business with an independent insurance broker<\/h3>\n\n

Instead of shopping around for insurance companies yourself, trust an expert in the field: an independent insurance broker.<\/p>\n\n

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. <\/p>\n\n

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. <\/p>\n\n

Pour ce faire, un courtier d\u2019assurance ind\u00e9pendant est votre meilleur alli\u00e9, car il peut vous d\u00e9nicher les meilleures protections au meilleur prix. N\u2019h\u00e9sitez pas \u00e0 contacter un des membres de l\u2019\u00e9quipe AMR pour une soumission<\/a>\u2009!<\/p>\n\n

Et pour savoir comment \u00e9conomiser sur votre prime d\u2019assurance auto, consultez notre pr\u00e9c\u00e9dent article de blogue sur le sujet<\/a><\/em>.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"Multi-Risk Insurance shares with you the pitfalls to avoid if you want to reduce your home insurance premium.","protected":false},"featured_media":8170,"template":"","cke_assurances_tax":[],"cke_assurances_types":[],"cke_post_display":[102],"class_list":["post-8926","cke_blogue","type-cke_blogue","status-publish","has-post-thumbnail","hentry","cke_post_display-produit"],"acf":[],"mb":[],"mfb_rest_fields":["title"],"_links":{"self":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_blogue\/8926","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_blogue"}],"about":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/types\/cke_blogue"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/media\/8170"}],"wp:attachment":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/media?parent=8926"}],"wp:term":[{"taxonomy":"cke_assurances_tax","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_assurances_tax?post=8926"},{"taxonomy":"cke_assurances_types","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_assurances_types?post=8926"},{"taxonomy":"cke_post_display","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_post_display?post=8926"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}