Tips to keep your home secure when you’re out

With the weather improving, we’re all far more likely to be leaving the house for the beach or out meeting up with friends and enjoying the sun! The last thing you want to come home to is a burgled house. Implementing some home security measures can not only reduce the risk of burglary while you’re out and about, but can also reduce your home insurance premium. Here are some useful home security tips:

  • Many burglaries happen because of an unlocked door or window, so make sure all are locked before leaving the house. Don’t leave keys in locks
  • Make sure you lock any side gates, the garden shed and the garage. Don’t leave ladders out or anything else that can be used to climb on and over walls/gates, or used as a tool to break into your home
  • Don’t leave a spare key under the mat/flowerpot, this is the first place a thief will look
  • If you don’t have an alarm, consider getting one that’s easily seen outside as this will act as a deterrent
  • Don’t leave any valuables or your car keys visible through a window
  • If you’re going out at night time, leave a light on. Install external motion sensor lighting

Going away on holiday

In addition to the above, here are some other useful tips if you’re going away for any length of time:

  • Ask a neighbour to take any parcel deliveries for you so they aren’t left sitting on the doorstep
  • Get some timer plugs put on lights around the house to come on in the evening
  • Don’t post any holiday-related posts on social media until you’re home, those 500 “friends” on Facebook will know you’re away!

Am I Insured if my Dog Bites Somebody?

My dog bites somebody. Am I covered?

The simple answer is yes, if you have home insurance. Your home insurance policy will cover you, as owner or occupier for any amounts you become legally liable to pay as damages for bodily injury. In fact, this cover extends beyond the boundaries of your property. So if your dog escaped from your garden and bit somebody, or caused an accident resulting in bodily injury or damage to property, your household insurance policy would come to your assistance. One exception – all home insurance policies exclude dogs specified in regulations under the Control of Dogs Act 1986 or any amendments thereto.

A word of warning, if your dog bites somebody or causes an accident, report it immediately to your insurance company even if you don’t think a claim will arise.