Remember, Remember Your Home Insurance
The rhyme may want us to 'remember, remember the fifth of November' because of Guy Fawkes' gunpowder, treason and plot, but in the modern age it's home insurance that we must not forget.
Data from home insurance provider Norwich Union suggests Bonfire Night is the worst night of the year for burglaries in the UK with home thefts leaping by 27 per cent.
It's also the second worst night of the year for damage to a home, falling only marginally behind Halloween. Unsurprisingly fire claims leap by 50 per cent compared to an average day and the number of malicious damage claims to properties doubles.
To avoid being the target of criminal activity, homeowners should leave a light on if they're out for the night and make sure all windows and doors are suitably locked with the house alarm switched on. It can also be worthwhile leaving a radio on to give a burglar the impression that someone is home.
Pay particularly close attention to garden items to reduce the risk of firework damage. Move any garden ornaments, potted plants and bikes indoors and out of sight, particularly if they are at the front or side of the house where they could be targeted by opportunist thieves. Also ensure sheds and garages have robust locks.
Of course home insurance is there to help if a claim is necessary but prevention is much better than cure. Nevertheless it's worth taking the opportunity to examine your home insurance cover and ensuring your contents policy is up to date and that accidental damage cover is included.
You may be able to save money on home insurance by fitting a provider-approved alarm or locks - external doors should be fitted with five-lever mortise deadlocks approved to British Standard BS3621. If your premiums are expensive shop for cheap home insurance with a comparison website.
Source: http://ezinearticles.com/
Added: November 1, 2008
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