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Home insurance caution as burglary peaks

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Homeowners are being urged to check their home insurance, with the peak season for burglaries on the horizon.

Research by price comparison site Money Supermarket showed that burglaries were most likely to take place between September and November. Break ins during this period are 10% more likely than in the spring.

It said 2.1% of policy holders claimed against burglary across the year, but this rose to 2.26% in the autumn months.

Property owners should check their home insurance polices to make sure they are full covered and take steps to prevent burglaries.

This can include the installation of timers to make lights come on, fitting more robust locks and ensuring valuables are kept away from windows.

Dan Plant, consumer finance expert at Money Supermarket, said: “Being burgled is a terrifying and disruptive experience that too many people go through. Not only is a burglary a complete invasion of privacy, but a violation of the place we should feel safest.

“Our research has found the autumn months see Brits making the highest rate of claims on their home insurance for burglary. As the darker nights roll in, this shows it’s crucial for everyone to think about security measures for their home, to prevent burglaries and protect themselves from opportunistic thieves.

“It is also hugely important to have home insurance in place to provide the support needed in the event of a burglary. Annual buildings and contents insurance is available for £132 a year on average, not a huge amount to pay for peace of mind, especially as this can often get you an unlimited amount of content cover. When running a quote, it’s important to put in as close a figure as you think is accurate for the value of contents you have in your home, so you have enough cover, and also don’t pay over the odds for something you don’t need.”

How to make your home safe:

  • Install timers on your lights to come on when you are not home
  • Ensure items of value are kept away from easy view through windows
  • Install a suitable alarm system
  • Fit robust locks on doors and windows and make sure you use them every time you go out, and at night when the family is in bed
  • Contact your local police to see if they offer home visits to advise about security
  • Make sure your property is not easily accessible – improve fencing or put up a gate
  • Make sure your home contents insurance is fully up to date and is at a high enough level to cover all your belongings sufficiently – opportunistic thieves could strike at any time
  • Ensure you are compliant with everything your insurer outlines in your policy. Some policies have certain security requirements that will be a condition of your insurance cover. If you’re unsure then call your provider for more detail

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