Cover for theft from your home

Being broken into and having your personal belongings stolen can be a very upsetting and stressful experience before you even take the financial implications into account. This is why it is so important to ensure you have adequate home insurance in place. This will mean that you can afford to replace the items that were taken if you are a victim of theft.

 

Home Insurance Theft and burglary

 

Although a theft from your property will obviously affect your contents, people who have experienced a break in will often need to make a claim on their buildings insurance too. This is because thieves can cause extensive damage to doors, windows and walls when trying to gain illegal access to your home. Having buildings insurance in place in this situation means that this damage will be able to be repaired by your insurer. You, therefore, won’t be left out of pocket.

There are a few steps you can take to limit your chances of being affected by theft. The 5 points below may help to ensure that your home is not selected as a target.

 

Home Insurance Theft

 

How to protect your home from burglars in 5 steps

  1. Ensure your security is up to scratch. Make frequent checks that all of your locks and bolts are in good working order. You should also check the bulbs in security lights are working and that your burglar alarm is functioning as it should.
  2. Be social media savvy. If you are going away and leaving your home empty, make sure you don’t broadcast it all over social media. Thieves are increasingly using this method to locate easy targets. So save your holiday snaps for when you are safely home.
  3. Don’t leave valuables on display. Any high-value items should not be left in windows or in clear sight of any passing traffic. This is likely to increase the chances of being targeted by an opportunist burglar.
  4. Store keys away from the door. Although most people keep their keys on an easily accessible hook just inside the door, this is an intruder’s heaven. It provides instant access to one of your most valuable possessions – your car. Keep your keys out of sight in a draw or at least not next to windows or doors.
  5. Join neighbourhood watch. Joining your local group will mean that your neighbours will be keeping an eye on your property for any signs of suspicious activity. Just make sure you repay the favour and keep a look out on their behalf too.

 

Home insurance theft

 

 

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