Home Insurance at Christmas

christmas present The festive season is a time of celebration, and with the right home insurance, you can unwind knowing that you won’t get any unwelcome financial surprises:

Creature Comforts As the countryside shivers beneath a blanket of snow there’s nothing more comforting than curling-up in front of an open fire or creating a Christmassy mood with candles. There’s an obvious danger with naked flames and it’s hardly surprising that candle fires peak in December. Homeowners are urged to take sensible safety precautions by checking their smoke alarm is working, making sure that candles are kept away from flammable materials (especially surfaces) and never leaving candles or fires unattended.

Bah Humbug! Christmas might be the season of goodwill for most, but sadly not everybody plays by the rules and burglars are busy working overtime. Lovingly-wrapped presents piled-up under a tree make tempting targets for thieves and should be kept out-of-sight until the big day. Similarly, don’t advertise any new high-ticket items by leaving big boxes outside your house before recycling.

Generations Collide Christmas is a time when family and friends get together, and with a house full of people accidents can and do happen. With over-excited children charging about, new gadgets and gizmos to explore, and plenty of seasonal cheer; don’t let your Christmas be ruined by a trip to A&E.

Weather Warning The recent cold snap is a timely reminder that homeowners need to prepare their properties for the worst of the winter weather. Burst pipes are the single biggest cause of winter home insurance claims and can be easily avoided by lagging any pipework that comes into contact with cold air (and that includes plumbing in the attic). High winds and heavy snowfall can bring down branches which should be trimmed before the worst of the weather sets-in.

Upper Limits Despite the economic uncertainty Brits are predicted to spend a record amount at Christmas (an average of £243.77 on presents alone) which could leave some households short of cover. Some home insurance policies automatically increase cover levels over the festive period, but it’s a good idea to double-check with your provider. It’s also worth remembering that most policies have a single-item claims limit and high value items, such as bicycles and laptops, may require additional cover.

Party People Scrubbing red wine stains out of a cream carpet might not be the best way to start the New Year, but with accidental damage insurance at least you won’t have a financial headache. Accidental damage cover is typically sold as an extension to standard home insurance and can be a cost-effective way to ensure that your prized possessions are covered.

Home & Away If you are going away over the festive period we’ve got some simple security steps to help beat the burglars, and if you’re going further afield don’t forget to pack travel insurance.

 

 

 

 

 

 


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