If you have been with the same home insurance provider for years then the likelihood is that you have no idea what an application for a brand new policy looks like and you may well find that there are a few things on there that surprise you. One of them is a question concerning your local area. More specifically, it is a question as to whether or not your home is in a neighbourhood watch area.
If your home is in a neighbourhood watch area then you will find that your home insurance premiums will be reduced on those that you would be offered should you live outside of a neighbourhood watch area. The idea is that it gives you more security and reduces the chances that your home will be broken into so you absolutely have to check out the availability of home watch groups within your area and make a saving if you can.