Five gold rings

Sadly, most of us won’t be given five gold rings on the fifth day of Christmas. But we may well be given, or give, some expensive presents that we would really want back if they were ever stolen. What can you do now to help the police if your valuables are taken by a burglar in the…

Keep burglars out in the cold this Christmas

Unfortunately thieves know that Christmas presents can be rich pickings, particularly the latest electronics. So what are some simple improvements to make sure that you are only visited by Santa Claus and not by a burglar? Keep valuables, and Christmas presents, out of sight. And don’t leave packaging lying around that shows you have just…

Christmas presents covered?

Most home insurance policies – though not all – automatically increase the level of cover for contents during the run up to Christmas, so that gifts are covered. It is worth checking your home insurance policy to see if this is the case and the level of increased cover. If you are lucky enough to…

Safety obligations for landlords

If you are letting a property to tenants, you must keep the property safe and free from health hazards for the occupants. The Government’s regulations are clear, and they require time and investment to make sure your property is up to scratch:

Upgrading your home security is a win double

When you apply for home insurance, you can’t fail to notice that the application form requires detailed information about whether your home has an alarm and what locks you have on external doors and windows. You won’t be surprised to learn that this detail is required because having an alarm, and having good locks, reduces…

Digital downloads

It’s estimated that a total retail value of at least £1.8 billion of music and audio files have  been downloaded to our laptops, phones etc, and while these physical  items may be insured against theft or loss, about 40% of home insurance policies do not cover the full replacement download cost. If you are not…

Pokemon Go-ing, going, gone?

It’s probably the most popular mobile app so far, but what home insurance issues does it raise? There have already been some accidents and trespassing in the USA as players search for Pokemon oblivious of their surroundings. Is this relevant to your home insurance? Well, for a start, the liability sections of your policy should…

Home is where the heart is

Most of us have things in our homes that are really important to us – as well as our family! The true value may be sentimental, but if it is something made to measure (a set of golf clubs?), or a collection that has developed over time (racing bikes?), or something inherited (jewellery from Granny?),…

Home Guard

Most of us have some sort of nagging worry when we shut the front door to go away on holiday. We can go back to check if we have turned off the iron. We also often worry about burglary while we are away. That makes sense – the majority of burglaries occur when we are…

Is your home your castle?

Could do better? We all want to protect our homes and what is inside them. Making our homes secure from burglary is usually a top priority when we first move in. In today’s busy world we then tend to focus on all the other jobs around the house, but most of us would benefit from…