Tips to reduce your premiums

Savings are money in these tough times a homeowner must be either way. If you lower your homeowners learn premiums, are here are some tips:

1. Make upgrades - often refurbish or refresh your home, particularly systems connected to home safety installing sprinkler systems, additional smoke alarms and deadbolt lock.

2. Make your home safe insurers often you can see the risks of a breach in your home available. You have a pool or trampoline, install a cover or fencing can keep children away from these areas and reduce the risk of injury. You have a dog "high risk", a cage or closed Doghouse may reduce your premium.

3. Assure for the replacement cost - because of inflation, your home will cost probably more now than the original price to replace.

4. Annual review of the policy - what coverage you need, and what you can do without checking.