Your place of residence determines the rate of your premium because your safety is a very vital issue when it comes to home insurance. So would you prefer to live in the city or country?




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Your place of residence determines the rate of your premium because your safety is a very vital issue when it comes to home insurance. So would you prefer to live in the city or country?

You might prefer living in the calm country thinking it would be better for your insurance policy but a new observation by Halifax says that it is not really true because almost 50% of Brits says they feel safe walking in a crowded city at night than a deserted country at night. In practice, almost half of the city's inhabitants believe that it is safe walking the streets of the city than in country lane at night ..

In country side regions, there is now an increase in the crime rate, but you see the city dwellers moving. Up to 40% of those in the city testify that they would move because of the high crime rate in the city than just the nine percent found in the villages.

Most insurer base their premium rates on the risk level so moving from one place to another is not a good option for home owners. But if they live in place where there are high crime rates, it will be difficult for them to find a cheap home insurance premium.

So home owners should endeavor to secure their homes by installing security devices, make sure that the house is locked when leaving and avoid putting the key in a visible spot for intruders. For example hiding the keys under the doormat or beneath a flower pot is never a wise choice.

Security lighting keeps you at alert when there is an intrusion in your house while a gravel driveway can help you hear when someone approaches your home. Putting security devices like time- switch lights will really attract policy discounts.

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