Are you looking for cheap contents insurance? If you are, then you are probably searching all over the internet in the hope of finding that once in a lifetime deal that will save you thousands. Unfortunately, most online deals are just plain rubbish as they lure you in with cheap rates only to disappoint you when you read the fine print or when you try to make a claim.

Cheap contents insurance is not just about a good rates. You really need to look closely at what’s covered by the policy and compare that along with the deductibles and fees to really see what the true value is. Here are 3 easy ways to get deals on home insurance.

Online Quote Comparisons

I suggest you compare contents insurance online and find the top 3 quotes. Then, pick up the phone and phone up all 3 of them. talk to someone who knows the policies and ask all the questions you need to ask to make sure you know exactly what you are buying. After you’ve spoken to all 3 of them, go back to the internet and buy the best policy online – especially if they offer an online discount. Be sure to ask the consultant about special offers. Speaking to someone makes a huge difference.

Off-line Deals

While most people are only looking for cheap contents insurance online, there is a lot of great deals to be had off-line. Just open today’s newspaper and you are bound to find some great deal. Most people miss this. There are also a lot of great deals being advertised on TV and on the radio, so keep your eyes peeled and you will be surprised at all the great deals you can find off-line.

Trim Your Cover

Probably the easiest way to get cheaper content insurance is to trim your cover. You really don;t need to insure everything in your home – especially those cell phones and MP3 players. Its a waste of money and since these items get lost and stolen easily it drives up the cost of your cover. Opt for a more basic level and only insure your most valuable items.