A break-in and theft and damage to personal possessions can be a devastating experience for homeowners. But did you know that there are steps you can take that may significantly reduce your risk of falling victim to crime and could also help to reduce your house insurance policy premiums?
For homeowners, taking out adequate contents insurance and buildings insurance is vital to ensuring that you’re not personally hit with huge repair bills and the cost of replacing all your prized possessions in the event that your home is broken into. However, there are also steps you can take that will help you to protect your home from opportunist thieves.
According to the Government’s DirectGov website, homes with no security measures in place are five times more likely to be burgled than those with even the most simple security measures. You can read about contents insurance from Barclays here to get your cover sorted.
The following security measures could make a big difference in how safe your home is, decreasing the chance you will have to make a claim on your home insurance, which could help to keep your premium affordable in the long term:
- Lock them out: Always secure all your main doors and windows with mortise locks and key locks – and don’t forget to fit bolts and padlocks to garden sheds and any other external buildings. This will create a deterrent for thieves and make it harder for someone to gain unauthorised access to your home.
- Fit an alarm: Make sure that it is a reliable model with a good reputation among consumers, and that it is correctly installed. Also inform your insurance provider that you have done so when you talk to them about your contents insurance quote as this may be taken into account when calculating your premiums.
- Don’t tempt thieves: Lock up bikes and store children’s toys behind closed doors. Store valuable items, including jewellery, passports and all private banking and personal documents out of sight. Also keep all keys hidden from view and never leave spare keys under mats or in flower pots.
- Shine a light: Install good outside lighting and if you’re going away, internal lights that you can set on a timer may also deter thieves and make your home seem more secure.
- Join Neighbourhood Watch: Joining forces with your neighbours to keep an eye on each other’s property and putting a sticker on your window may also help to scare burglars away.
Further home security tips and advice on fire prevention can be found at the DirectGov website.
Remember, terms, conditions and exclusions apply to all insurances – ensure you read the policy document so you know what’s covered and what’s not.
Content supplied by Barclays