Written by Rasmus Hultquist Nielsen, responsible for husforsikringsindhold at Mikonomi.dk

But that's more the exception than the rule, students living in their own house. Are you still one of those who live in their own house, or are you considering buying a house when you have completed your studies, we give you here 5 tips on how you can minimize the cost of your home insurance .

Maintain your house
One of the major factors that determine the price of your house insurance, the state in which your house is in. When you want to draw a house insurance, your insurance company will conduct a risk assessment of your house, where they will assess the risk of injury your house is. Do you live example. in a house close to a lake, the flood risk may be higher than if you lived in the center of town. Be sure to maintain your house so you can fight a possible risk of water ingress through bumpy walls. Is there a hole in your roof, your insurance company will also take note of this, and thus only have one more reason to put a high price.

Achieve pick off all your insurance
You may already have a home insurance or car insurance, and also wishes to take out house insurance. When you need to explore ways to draw this house insurance, you should contact the insurance company where you have already taken your other insurance. Many insurance companies will namely "reward" you for that you choose to draw multiple policies with them, and thus offer you attractive discount. You thus have the chance to save money on all your insurance and you will also have an overview of all your insurance policies with the same insurer.

Be gentle with your own risk
Once you've decided which insurance company you want to draw your house insurance from, you will get the possibility to set the threshold you wish to pay in case of any damage. It can be tempting to set that threshold to be as low as possible when you saw will not be charged a high amount, if any damage to your house. However, please be aware that if you set your deductible to be $ 0, the price of your house insurance will be higher. This is a very simple calculation, which can be made up as follows:

"Low deductibles = High cost of house insurance" and "High deductible = Low cost of house insurance."

Member of the unemployment fund
If you are a member of an unemployment insurance fund, a trade union or similar organizations, it is possible that you through this organization can get discounts with an insurer. This is an opportunity that many are not aware of, but can help you to save money. It may be that the unemployment insurance fund you are a member, has discount agreements with the insurance company where you already have an insurance policy.

Compare insurance
A fifth way to save money on your home insurance is that compare different offers on the house insurance. Some prefer to explore the possibilities of each insurance company and others rely on more modern methods. Today it is possible to make use of comparison services such. Mikonomi.dk. At Mikonomi.dk you can easily and quickly fill out a form in which you describe your insurance needs, then Mikonomi.dk ensure that you get 3 offer that is tailored to your needs. This service is free and you do not want to avail yourself of one of the three offers, this is also 100% non-committal.