Home insurance Updated:
The scorching temperatures we've had this week mean we're finally able to bask in the heat of summer, leaving us free to throw open our windows and dig out the summer clothes from the back of the wardrobe. But, don't get too carried away by the whole thing, because unfortunately, burglars could also stand to benefit.
Data from Lloyds Bank Home Insurance shows that the number of unforced burglary claims increased by 12% during summer last year, with the total value of claims paid rising by 34% compared with the winter months. Much of this was due to people leaving their windows open, and they didn't even need to be out of the house – burglaries often happen while the homeowners are at home, as opportunistic burglars can easily reach in through an open window and grab whatever's easily accessible.
"Small items such as jewellery, wallets, car keys and smartphones are particularly at risk," said senior claims manager Tim Downes, so he advises that people close windows when they're not in the room and lock their front door when they're in the back garden. Another golden rule – don't keep valuables in plain sight! Things like this should never be within easy reach of a door or window, because you never know when a burglar could be on the prowl.
Of course, you'll also need to thoroughly check that all doors and windows are securely locked before you leave the house, as you wouldn't want to give anyone an easy ride. Consider marking valuable items with ultraviolet pen to help trace them if they're stolen, and keep all receipts to aid the claims process – both last resorts and things you hopefully won't need to use, but it's worth being prepared nonetheless.
And, above all, make sure to check your home insurance policy! The only thing that could make a burglary worse is finding out that you're not suitably insured, so check the small print so you know exactly what you're covered for. Never miss a renewal date, either, and if it's time to refresh your deal, check out our quote tool to see what kind of premiums you can discover.
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 Any products featured may be withdrawn by their provider or changed at any time.
Moneyfacts.co.uk will, like most other websites, place cookies onto your computer’s
hard drive. This includes tracking cookies.