With two young children itÂs been another very special Christmas, we still have ÂSanta believersÂ at home so the build up to Christmas is always entertaining and the reaction on Christmas morning to his delivery will live in the memory for the rest of my life.
We are no different to most parents, we have probably spoilt the kids a little too much this year and in turn done our bit to help online shopping statistics and assisted Mr. Cameron in reversing the economic slump, in terms of IT spend we are probably matching most small business annual IT budgets!
Now I donÂt want to appear an insurance bore but itÂs important for homeowners to think carefully about the additional risks post-Christmas and the affects on your property insurance. Most homes will have their fair share of expensive valuable and very portable presents, laptops, tablets, phones and jewelry to name a few, and your everyday work-shy burglar will be keen to take advantage.
Here are a couple of tips to avoid heartache over what is left over the holiday period and that grim return to work; –
Burglars will be on the prowl for homes that look empty, if you are planning to visit friends to welcome in the New Year keep a few lights on to make it look like you are in as normal, longer-term if you are a regular party-goer installing automatic timer-switches to come on at intervals will also create that important doubt in the mind of the criminal
According to the Home Office, one fifth of all burglaries require no force as windows and doors are frequently left open, so always make sure everything is locked and your home is fully secure before you leave.
Now that youÂve opened all the presents steer clear of leaving the empty boxes and packaging in sight. This acts as a glaring advertisement to thieves and shows them all the valuable items you now have in your home. Post-Christmas can be just as bad for burglaries, so make sure you dispose of packaging responsibly by ripping it up, taking it to the tip and recycling.
Review your coverage post-Christmas
Most insurers will usually increase the level of your home contents insurance over the Christmas period, usually by 10% but subject to a limit, but remember this is only December and cover returns to standard limits afterwards.
So if you’re lucky enough to have had Santa deliver the latestÂ camera, tablet or phone,Â you need to review whether the level of coverage (or sums insured) is sufficient post-Christmas.
Another important point relates to where these new expensive items will be insured, standard contents cover only to claims occurring in the home, if you plan to take your camera or tablet away from the home to show friends then you will need to extend coverage, or for particularly expensive items have the specified on the policy and insure them for all risks.
If you are unsure as to whether your insurance coverage post-Christmas is sufficient then speak to your current insurance provider as soon as possible. Alternatively if you require a home insurance quote click on http://thepropertyinsurer.co.uk/wordpress, we have a panel of leading UK Insurance Brokers vying for your business, give us a try!