Author: Alex Gregory
Source: ezinearticles.com
You may assume that the longer days and lighter nights of summertime mean you’re less likely to make a home insurance claim for theft. However, this is arguably the time when homeowners need to be most vigilant.
Independent insurance intermediary Towergate has advised property owners to be on their guard now that British Summer Time is officially in place as this can often spark a spike in the number of burglaries committed.
Even though burglars no longer have the same level of darkness to hide their actions, they do have new targets in place including items that are left in the garden such as barbecues, tools, garden furniture and plants.
Homeowners are also more susceptible to effectively taking their ‘eye off the ball’ during the warmer weather and often go out leaving windows open or doors unlocked.
Consequently property owners are urged to check their home insurance policies to ensure they have suitable levels of cover in place. For example, are all of your contents covered by the sum insured? What is the upper limit on claims for garden items that are stolen? Do you have cover for goods that are stored in outbuildings or for items that you take with you while you’re out such as pedal cycles or cameras?
Homeowners should take steps to avoid claims by being particularly careful about their home security. This means carrying out security checks before leaving the home to ensure that all windows and doors are closed and locked. Keep valuables out of sight and store garden items in an outbuilding with a secure padlock. If you’re going away for a lengthy period ask your neighbour to check your home.
The good news for home insurance customers is that boosting security can help you obtain cheap home insurance. Most providers cut premiums for customers with burglar alarms and other security devices as well as those who join Neighbourhood Watch schemes.