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Burglaries and Home Insurance
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It is almost impossible to make your home completely theft proof, but there are lots of things you can do to minimise the chances that you will be targeted. A suitable home buildings and contents insurance policy will protect you against the cost of replacing or repairing anything that is stolen or damaged, but some things may be irreplaceable to you because of their sentimental value. The best way to prevent your home from being targeted by burglars is to make sure that yours is not an easy mark for the opportunist thief.
To make your house as secure as possible, be sure to lock your doors and windows and use your burglar alarm if you have one. Even if you are at home, thieves have been known to let themselves in to unlocked houses and snatch car keys or a handbag without the owners even being aware they had been there, so dont leave valuables by the door where they can be stolen.
You should also keep in mind that if your bag is stolen with your house keys in it, and if there are also documents or letters with your personal details on them, then the thief may have access to your house and you could also be in danger of identity fraud. If possible, avoid carrying your address with your keys, and if your keys are stolen, be sure to get your locks changed as soon as you can.
It is also advisable to change the locks when you move into a house because the previous owner or tenant could have kept copies. Be careful who you trust with your keys, the workman that you leave them with could easily make copies.
Do not leave anything lying around outside your home that a burglar could use as a house breaking tool. Bricks, ladders, spades and even wheelie bins can be used by burglars to smash or access windows that you may think are secure. Trees or shrubs that make your house difficult to see from the road may make your house particularly vulnerable to burglars who know they can break in without being seen, so consider whether it is worth sacrificing a little privacy to ensure that your home is not attractive to thieves.
Remember that failure to use your existing security measures like locks could invalidate your insurance claim in the event that a burglary did take place. If the worst does happen, contact the police immediately and your insurers as soon as possible.
Your insurance company will need details of anything that has been stolen, so it is helpful to make an inventory of your belongings, perhaps annually, and to keep receipts for any major purchases. Photographs can be a useful way of making a record of the number and condition of items such as clothes and jewellery.
Your insurance company will be experienced in dealing with burglaries and can offer useful advice on how to make your home as safe as possible. While it is important to have home insurance in case you are unlucky enough to be the victim of a burglar, the best course of action is to prevent it in the first place.
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With Kwik Fit Insurance home insurance , your home and your treasured possessions will be well-protected from the unexpected.
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