As 2009 quickly approaches man of us will start to make our new year’s resolutions, many will decide to stay fit or drink less but in this time of economic uncertainty maybe your new year’s resolution should be a new and better value for money home insurance cover.

2009 looks set to be the year where the recession truly takes hold so January 2009 will be the best time to sort out your finances in an aim to save money, unnecessary clauses within your home insurance can be a real killer; a prime example is being double insured on items. If your home insurance has contents cover then more often than not items such as your phone or laptop will be covered meaning that any insurance brought with the item in question may be redundant. Even if a new laptop isn’t included in the contents cover, simple inquirers with your insurance provider will let you know how much extra it will cost to have that item covered.

There are a couple of simple tips to help lower your home insurance costs , things such as approved locks on all windows and doors and fitting security alarms will instantly lower your home insurance quote meaning that the initial cost will save you money in the long run. After carrying out these initial money saving tips there are other ways to save money on your home insurance policy, but firstly you will have to investigate the ins and outs of your home insurance policy.

After investigating your home insurance policy you decide that there may be better value for money cover out there then there are many different methods for finding a cheaper quote. If you don’t want the hassle of having to change home insurance providers then a simple phone call to your insurance provider may save you a lot of money.  The simple fact is any provider would rather save you money and keep your business rather than losing it all together, before you try this make sure you have some evidence to back your claims. There’s no use saying “well this company offer the same cover for this price” because they know exactly what their competitors are offering.  If you have no luck in lowering your quote then it may be time to change your insurance provider.

This is where those much celebrated price comparison sites come into their own, as there is no quicker or easier way to get an idea of the range of quotes available to you. The important thing to remember is not to take the quotes as gospel many of your answers to the questions asked will be estimates. What the sites do is to give you three or four companies to phone and make enquires with, you never know you may get a cheaper quote if you haggle with them some more.

Taking time out to try and lower your home insurance policy could save you hundreds in the long run and the quicker you get the lower quote the better as many start feeling the pinch insurance companies will be less willing to lower their prices.