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How to reduce your home insurance premium

Home insurance is generally less costly than car insurance, regardless whether you own or rent. But there are ways to help reduce your premium. Here are a few tips to help you reach your objective.

  1. Have a centrally-monitored alarm system installed. Also bear in mind that every municipality is given a score for the effectiveness of its firefighting services.
  2. Take responsible, preventive measures to lower the number of claims you make (for practical advice, visit the Insurance Bureau of Canada's website).
  3. Keep your file free of claims. Like with auto insurance, you pay better rates when you haven't made any claims.
  4. Take out auto and home insurance from the same insurer for potential multi-product discounts.
  5. Avoid smoking inside your home to lower your home insurance premium even more.

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