Children and Fire

Children and home insurance is not necessarily something that you immediately put together, but the arrival of a child into your life can seriously affect the price of your home insurance. However, there are always a few things that you can do to save money.

Insurance companies and parents can be remarkably similar in outlook; both are obviously concerned with safety. For the parent their principle concern is the child, for the insurance company it’s the house or the contents that are the most important, but as one often leads to the other, insuring new safety equipment can reduce the cost of your home insurance.

One such item that serves a duel role is a proper smoke alarm system. Children’s toys are particularly susceptible to going up in flames, especially as more and more have some sort of interactive element that requires power. Fire is one of the most expensive insurance claims and a good alarm system can save you a lot of money on your premiums.

If you are thinking about getting a new system installed, bear in mind that the insurance industry has a blanket specification that needs to be met if you are going to see a reduction in your premiums. Before you go about purchasing anything check with your insurance company first, after all, with children there are enough expenses to worry about without investing in an alarm system that doesn’t save you the money that another one could.

If you do contact your insurer they will also be able to provide you with a list of workmen in your area whom they deem as qualified to install your alarm system. Whilst they may not necessarily be the cheapest option, they will at least satisfy both you and the insurance company that the work is being done to the required standard.

Aside from a new alarm system there is not much you can do to ward off the risk of fire. Make sure that all electrical products (particularly toys that may get a little more wear and tear) are checked once a year, aside from that the best advice is just to keep an eye on your children.

A good house insurance policy is absolutely vital, even more so when you have little ones, but so is making the most of your money. However much of a bore it may seem it really is worth spending a bit of time searching for the right policy, different policies will suit different people and there’s a wealth of variables to consider. Look out for added extras that you may or may not consider worthwhile – Kwik Fit Insurance for instance offer extras such as up to £500 of replacement locks and freezer contents cover*.   Make sure your search makes use of a comparison site but bear in mind that some of the major insurers tend not to be included.

*Correct at time of writing. Visit the Kwik Fit Insurance website for up to date home insurance policy details.