Securing your sanctuary
The importance of home safety and insurance when going on holiday
Summer holidays, whether you’re going away with the family or enjoying a romantic getaway with your partner at a luxury resort, are cherished times to indulge in relaxation and adventure. However, as you pack your bags and plan your itinerary, it's crucial that you don’t overlook the importance of securing your home during your time away. In the UK, ensuring your home is safe in your absence, and taking out a comprehensive home insurance policy, are both vital steps in safeguarding your peace of mind and your possessions.
The rising importance of home security
Home burglaries are an unfortunate reality faced by many homeowners, a fact that is shown all too clearly by recent statistics. According to the Office for National Statistics, there were approximately 356,000 reported cases of burglary in England and Wales in the year to March 2022. Notably, burglaries tend to spike during holiday seasons when homes are more likely to be unoccupied.
Some simple steps to fortify your home
Securing your home doesn't necessarily require high-tech solutions; often, simple measures can significantly deter would-be intruders. Here are a few effective strategies:
- Install quality locks and security systems
Ensure that all your doors and windows are equipped with sturdy locks. According to the police, homes with no security measures are five times more likely to be burgled than those with simple security measures in place.
- Use timers for lights
Set timers on indoor and outdoor lights to create the illusion that someone is home. According to ADT’s 2023 Burglary Report, almost two fifths (37.5%) of burglaries in England and Wales took place between 7pm and midnight in the year to March 2023 – with many burglars clearly taking advantage of the dark to sneak into homes unnoticed. Having your lights on a timer will act as a significant deterrent to night-time opportunists.
- Join a Neighbourhood Watch scheme
Engaging with your neighbours and informing them about your absence can be a simple, yet effective, deterrent. According to the Neighbourhood Watch’s National Crime and Community Survey 2023, Neighbourhood Watch members are 7% more likely to keep an eye on neighbours’ properties whilst they are away.
- Secure your valuables
Store valuable items in a safe, or at least less conspicuous, place. Avoid leaving items like laptops, jewellery, and car keys in plain sight.
- Don’t advertise your absence on social media
Avoid broadcasting your travel plans on social media. An ex-burglar who recently spoke to The Telegraph about the tricks of his former trade commented: “People will put pictures of themselves on holiday or at the airport about to go away. It’s like pinning a sign to your door saying ‘the house is unoccupied’.”
The crucial role of home insurance
While preventive measures are essential, they can never entirely eliminate the risk of a break-in. This is where home insurance comes into play, offering a safety net should the worst occur. The main benefits of home insurance include:
- Comprehensive coverage
Home insurance policies typically cover both the building and its contents. This means that in the event of a burglary, you can claim for stolen items as well as any damage caused during the break-in. Statistics from the Association of British Insurers (ABI) indicate that the average payout for home insurance claims in 2023 was £4,300, underlining the financial protection it offers.
- Peace of mind
Knowing that your home is insured provides significant peace of mind, allowing you to enjoy your holiday without constantly worrying about potential incidents back home.
- Additional benefits
Many home insurance policies offer additional benefits, such as temporary accommodation if your home becomes uninhabitable due to damage from a burglary. This can provide invaluable support during an already stressful time.
Choosing the right policy
Selecting the right home insurance policy involves evaluating your specific needs and risks. You’ll need to consider factors such as the value of your belongings, the crime rate in your area, as well as any additional coverages you might need. Consulting with an insurance adviser will ensure that your policy is tailored to fit your unique circumstances.
Conclusion
Adequately securing your home while you're away and having a robust home insurance policy are two sides of the same coin. As you plan your next holiday, take the time to implement security measures and review your home insurance policy. By doing so, you can embark on your travels with confidence, knowing that your home is protected and your peace of mind secured.
In the words of Benjamin Franklin, "By failing to prepare, you are preparing to fail." When it comes to the security of your home, preparation is the key to ensuring that your return from holiday is as joyous and stress-free as your departure.
If you are looking for a stress-free life when it comes to offering your clients the best possible home insurance for their needs, then why not take a look at the great service First2Protect has to offer?
Our dedicated team of insurance professionals can act as your in-house expert to lift the burden from your shoulders – all it takes is a referral from you, and we’ll do the rest.
