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h3. Top tips to help you get a cheap House Insurance quote Read the below the things you need to consider and questions you need to ask when considering purchasing house Insurance. *Tips to getting the best cover and cheapest house Insurance deal -What you need to do* *TIP 1 - Get the rebuilding costs right* This is NOT the market value of your home. Often they're less than half , as they don’t include the cost of the land you'll overpay if you get this wrong. But if you underestimate it you're in big trouble. *TIP 2 - Don't Under or Over Insure – Be honest* Don’t under insure your possessions. Think about how much a new sofa, TV, oven, wardrobe, dining room table will cost. It is normally more than you think. Go through your possessions and make a good estimate. Be realistic about the replacement costs. For unique and high value items such as designer jewellery, collectables and antique furniture get an independent evaluation. *TIP 3 - Never accept your lender’s renewal* , go shopping around (look at our carefully selected latest deals) than your lender's offering and you could save thousands. *TIP 4 - Secure your home properly* Get the right security locks fitted such as mortice deadlock or rimlock conforming to British Standard 3621. If you install a NACOSS approved burglar alarm and join a neighbourhood watch scheme then this can lead to a 5-10% discount on your policy. *TIP 5 - Pay Annually.* Home Insurers tend to make money from APR on monthly payments, so if you can afford it pay annually you may save 5-12% a year. *TIP 6 - Keep on top of your home insurance.* If you splash out on a big new TV , stereo or jewellery. Tell the insurance company as you need to be insured properly. Additionally if you sell some valuable items, tell the insurance company and bring your premium down. *TIP 7 -Always read the small print.* Home Insurance never covers you for everything, check the exclusions and be 100% what is covered. Cheap is not always best. *TIP 8 - Buy online.* Why? – because Insurance companies have better deals online as administering an online booking costs less than speaking to a sales rep on the phone for 20 minutes.