Home insurance Updated:
Summer is finally here and as the temperatures start to soar and the sun makes a welcome return, more and more of us are likely to venture out into our gardens to soak up the Vitamin D. However, this time of year is also a great time for opportunistic thieves – so are you sure that your valuables are safe?
Analysis carried out by Policy Expert has revealed that over 1,500 gardens, sheds and garages were burgled in London in 2014, and when you consider that the average shed holds around £1,000 worth of valuables, a break-in from an opportunist could be very expensive.
Not only do we fill our shed with pricy sports equipment, BBQs and gardening tools, but we are also more likely to take our gadgets outside with us. More than a third of those surveyed (37%) said that they will be using their iPad or tablet outside, while 78% said that they would take their mobile with them. Another 24% of respondents said that they will be using a stereo or CD player outdoors.
However, not all home insurance policies cover items that are stored outside or are taken out of the home. Indeed, only 39% of those questioned were certain that their possessions were protected. This means that if the worst was to happen, you could be facing a big bill to replace your outdoor equipment and gadgets.
To ensure that you don't end up emptying your wallet this summer to cover the cost of burglary, go through your home insurance cover with a fine toothcomb. Check that it includes outbuilding protection and that it will cover items such as mobiles when they are removed from the home. Some policies will require you to add on specific items, so make sure you read the fine print carefully.
It will also pay to keep on top of your home and garden's security. Keep valuables out of sight and use good-quality locks to secure sheds and outbuildings. Security lights can also be an effective deterrent, so set these up around your house where possible. Not only will these measures help to protect your possessions from thieves, but they can also help to reduce the cost of your home insurance premiums – it's a win-win situation!
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Disclaimer: Information is correct as of the date of publication (shown at the top of this article). Any products featured may be withdrawn by their provider or changed at any time.
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