Reports from the Home Office show a four per cent rise in burglaries as part of its quarterly update to the period September 2008. With the global economic crisis in full swing, these figures are likely to continue to rise making home insurance more important than ever.
With family finances stretched to the limit, imagine the scenario if your home were burgled and you found yourself needing to replace items without insurance coverage to assist you. Making sure you have adequate contents insurance and that the policy is completely up to date incorporating all of your most recent acquisitions is vital.
Most home insurance providers place limits on the level of contents they will cover in the event of a burglary. With some insurers this can be as low as £25,000, while with others a policy could offer unlimited coverage. The key is to shop around and make sure you find a policy that covers your needs thoroughly.
If you have individual items of high value it may be necessary to list them separately on an insurance policy - most insurers carry a high risk item limit in the region of £1,500.
Of course households are much more likely to fall victim to theft if they do not have adequate security measures in place. So take the time to review your home security.
For example, fit door and window locks to British standard and ensure they are locked when you leave the home. Remember to take wallets and purses upstairs when you go to bed at night, don't leave keys on display particularly near doors and if on holiday ask a family member or neighbour to check the property regularly.
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