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Make sure you have Home Contents Insurance this Christmas

With Christmas just a few weeks away and your children waiting for Santa to visit, you should take some precautions to ensure that Santa is the only visitor. Last Christmas there was a 14% rise in domestic burglaries, according to the National Crime Statistics, and considering the recession there is no reason to believe that there will be a decrease in those statistics this year.

The importance of having home contents insurance cannot be understated at any time of the year but more so at Christmas when we all have gifts around the Christmas tree and go out to celebrate with friends and family more often than we usually do.

Darkness and empty houses are the burglar’s friends and during the Yuletide festivities burglars love to break in so that they can enjoy Christmas at someone else’s expense – yours. If you are unfortunate enough to experience a break in at least you have some compensation from home contents insurance, even if it won’t replace everything that is stolen such as those items we all have of sentimental value.

There are several things you can do to protect your home over Christmas and here are some practical steps you can take:

Home Contents Insurance

Make sure it is up to date or if you haven’t got a policy use one of the comparison sites to find one at an affordable price. Make sure that the policy covers both your personal possessions and those gifts you may be transporting if you go away for Christmas. Some insurance companies may increase your home contents cover by a higher percentage during the festive season, at no extra cost to you, so that anything stolen is more than compensated for. Read our other article on Tenants Contents Insurance

Identity Protection

Protecting your identity is just as important as making sure your possessions are secure. Make sure that your credit card and bank statements, passports and any other data are securely locked away preferably in a safe. Burglars don’t just steal goods nowadays; they also steal data which can lead to criminal activity in obtaining loans in your name, accumulating debt that will adversely affect your credit score. Don’t give them the means to clear your bank account by leaving bank statements lying around.

Valuable Possessions

Jewellery and items of a higher sentimental value than could ever be replaced with money should also be kept in a safe. Take photographs of these items, including any hallmarks they have and write down serial numbers if applicable. This information will be invaluable when making a claim against your home contents insurance should the worst happen and will assist the police in their subsequent investigation to identify stolen items they might find.

Secure your Home

Whether you are going away for the weekend, on holiday or just going to the shop for the local paper and a pint of milk ALWAYS ensure you have locked your doors. It is surprising how many people who have just popped next door to a neighbour don’t think it necessary to lock their doors. Unfortunately in today’s society you can assume that if you don’t lock the door someone will come in and rob you. It is also a fact that if you have left your home unlocked it will invalidate your home contents insurance policy.

We hope that you will have a great Christmas with only a visit from Santa this year and that it won’t be necessary to claim on your home contents insurance. Following the above simple steps should ensure that you and your possessions will be safe and secure during this festive season. Happy Christmas!



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