Home Insurance Policy
How to Reduce Common Threats Covered by a Home Insurance Policy
You take out a home insurance policy each year to provide cover from the threat of natural events like flooding and storms, fire and smoke damage and from harm caused by vandalism and theft. However, there are a number of precautions you can take that will reduce the threat of these events; after all they do say prevention is better than the cure!
Security Measures to Protect Your Home
A home insurance policy from UIA will include contents insurance with cover up to £75,000 as standard and it is your contents that will be at most threat from burglary.
However, UIA recommend a number of ways to reduce the risk of burglary and theft; the most common of which is to install a burglar alarm. Having a burglar alarm visible on the front of your property will sometimes be enough to deter burglars but ensuring it is working properly is vital to scare off any thieves trying to break in.
Window locks are another way to provide valuable security, especially for properties with a lot of expensive contents visible and for ground floor flats and studios. Additionally, timer switches on lights give the appearance of someone being in, even if no-one is home.
Property Maintenance Vital to Protect Your Home
UIA offer up to £1,000,000 as standard on buildings cover when you take out a home insurance policy.
One of the most serious and dangerous threats covered by a home insurance policy is fire damage which is why UIA strongly recommend you install a fire/smoke alarm to detect any threats. Flooding can also cause considerable damage, so if the area you live in is susceptible to high levels of water fall UIA recommend that you sign up for text alerts so that you can prepare.
Maintaining your property regularly and checking wiring and guttering will also reduce the risk of damage to your property; as will being part of a neighbourhood watch scheme.
These small security and maintenance measures can go a long way to preventing burglaries and vandalism - some of the common things covered by a UIA home insurance policy.