Unfortunately for many of us at this time of year, it’s not just Santa who will be making an appearance in our homes, this is also one of the busiest times of the year for burglars.
Due to this, it’s important that you have a home insurance policy that is good enough to protect your home and belongings.
At this time of year, many of us spend a lot of money on family and friends and our homes are filled with our purchases so it’s imperative that you check that your home insurance policy covers all of your Christmas presents, according to the price comparison site; Moneysupermaket.com.
The money saving website has found that most UK insurers will increase home contents cover by up to ten per cent during the festive period.
However, it’s important that your check your own policy as the timeframe for these free top-ups vary greatly between many companies.
Julie Owens, head of home insurance at moneysupermarket.com, said: “With so many variations between insurers on seasonal uplift, checking the small print with a fine-toothed comb is always a must – especially to safe guard from being underinsured.”
Earlier this year, the website also advised homeowners to check their home insurance policy covered any accidental breakages caused by guests over the festive period.
Another important point which is worth remembering is that you should check whether any high value single items need to be listed individually on your current policy. Insurers often impose limits of £1,000, for example, for expensive items such as jewellery and electronics. Pricey and popular accessories such as iPods may also need itemising so they are also covered away from the home.
As well as covering your items, it’s essential to try and stop unwittingly enticing thieves into your home. Make sure you keep Christmas presents hidden and out of sight until the big day. They may look pretty under the tree, but anything on display is an extra temptation for burglars.
Something else to remember for after Christmas is to make sure that you dispose of any packaging carefully – don’t put boxes outside as they show crooks what’s on offer inside. Instead, cut packaging up, turn it inside out and keep it indoors until the bin men come.
With all of this information everything should be safe and well on Christmas Day or at the very least covered. However, if you do want to change your home insurance policy or just compare the others available to make sure you’re getting a good deal, then you can visit Moneysupermarket’s home insurance page here; http://www.moneysupermarket.com/home/
