With temperatures plummeting over the last few days and forecasters expecting the arctic freeze to soon set in, a lot of Brits will be longing for a bit of winter sun. But, before they jet off to sunnier climes, homeowners are being urged to be prepared – by checking their insurance is up to scratch.
There'd be nothing worse than coming home to find burst pipes had flooded your home, unless, of course, you found out you weren't adequately covered. Double-checking not only the different features you're covered for but also whether you've valued your contents sufficiently should be at the top of the list, and if you find you need to make changes you'll want to notify your insurance company before you even think about getting on that plane.
Once you've made sure you're appropriately covered, however, you'll want to take practical steps to ensure your home is as protected as possible. Making sure you've got burglar alarms installed should be a top priority, particularly at this time of year when opportunist thieves know there'll be a lot of extra high-value presents knocking around, but you'll want to think externally as well.
Take a look at the outside of your property to make sure there aren't any loose roof tiles, cracks in the walls or clogged gutters, as if a storm were to hit when you're topping up that tan you could find you've got a lot of unnecessary damage to contend with when you're back (incidentally, routine maintenance will comprise a core part of many insurance policies, so giving your home a once-over will make sure you're not invalidating it too).
Make sure to shut off your outside taps and drain any outstanding water, thereby preventing being left with frozen pipes, and some people even like to leave their heating on a constant low level during the course of their holiday – doing so will mean the water won't be cold enough to freeze, thereby reducing the possibility of pipes bursting.
Meanwhile, if you want to make sure you're getting the best value from your home insurance policy and are thinking about renewing, make sure to compare the options before you head off.
Save up to £68.62* by comparing home insurance quotes today
Before you choose your policy make sure it meets your needs - Home Insurance Checklist
Check out our guide to: what does your content insurance cover?
* We reviewed the quote requests generated on Quotezone's insurance comparison service between Jan and March 2012. We took the cheapest from the median (halfway point) quote returned to each customer to produce a 'representative' saving. 50% + achieved a representative saving of this amount or more. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
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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