Home insurance Updated:
You've picked the perfect party outfit, you've got the bubbly lined up and you've arranged the perfect location for you, your friends and family to see in the New Year. But have you stopped to think about whether your home is ready to welcome the beginning of 2015?
Even if you're not hosting a big bash at your home, accidental damage during your preparations could add to your headache on New Year's Day. According to Sainsbury's Home Insurance, 26% of Brits surveyed admitted doing some collateral damage to their homes while they got ready for their night out.
The most amount of damage was caused by spilling make-up, which 46% of respondents confessed to, while another 32% said that they had spilt hair dye and 30% admitted to splashing nail polish or remover. Many respondents (20%) were also guilty of leaving the taps running after rushing through their final preparations, and another 16% had to fix damage caused by their hair straighteners.
Unsurprisingly, those hosting a New Year's party also found themselves surveying damage the next day, with 19% of respondents claiming to have had some kind of accident resulting in damage to their homes while hosting a party. The most damage was to household items, with 60% of those surveyed saying that things had been broken during the course of the celebrations. Another 47% said that they had been left with stains that couldn't be cleaned up, while 25% experienced fire damage as the result of cigarettes, candles and paper lanterns.
If you want to keep your home spick-and-span (and damage free!) on New Year's Eve, it's worth taking some time to get your home party-ready.
If you're hosting a party, move anything breakable or valuable out of reach, and keep an eye on any candles or open flames. While glamming yourself up, check that you turn off hair straighteners and irons, and screw on the lids of any make-up or nail varnish bottles tightly.
It's also a good idea to dig out your home insurance policy and check to see if you have accidental damage cover. Accidental cover can reimburse you should the worst happen and you end up with red wine everywhere or your hair straighteners burn a hole in the carpet, so it's worth checking to see if you have it. "Accidental damage cover is essential for those wanting to protect themselves against accidents and mishaps in the home," commented Tom Thomson of Sainsbury's Home Insurance. "During the party season it's worth taking extra care so that the goodwill of the season can be fully enjoyed."
If you don't currently have accidental damage cover, it may be time to think about getting it! You can start your search using our handy home insurance comparison tool. Once you're covered, you can put your glad rags on and invite your guests in, safe in the knowledge that you won't have to foot the bill for any damage caused.
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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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