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  1. Combine buildings and contents cover.
  2. Cut out the frills. If you don’t need any added insurance extras, you could reduce your premium by choosing a basic policy
  3. Pay your premiums annually
  4. Pay a bigger voluntary excess. Home insurance policies come with a compulsory excess, which is the amount you have to pay towards any claim
  5. Insurers look favorably on customers who make their home secure because it reduces the likelihood of theft
  6. Locks are another important security device.
  7. It’s also worth considering joining a neighbourhood watch scheme as it can reduce your premiums by up to 5%.
  8. Build up a no-claims discount. If you don’t make any claims, you will usually earn a discount on your premiums.
  9. Your home is more vulnerable to theft when you are not around – remember this
  10. Fire safety is essential in any home – and smoke alarms should be fitted throughout your property.