Protecting your home
In 2006, £9 million pounds was paid in claims every day as a result of damage to our homes and contents*. This part of the esure home insurance guide will give you some top tips on protecting your home and belongings and how to avoid problems in the future.
Fire
Smoke alarms really do save lives. Fit them throughout your home and test them monthly, replace batteries every year and write a fire action plan. If in doubt, most local fire services will visit your home free of charge to advise on where you should put smoke alarms and to point out any fire hazards you should be aware of.
Kitchens are where most home fires start. Use a thermostatically controlled deep fat fryer if you regularly cook with oil. Be careful with lit candles and cigarettes, make sure they are properly extinguished and never smoke in bed. Don't overload electrical sockets. Use fireguards with open fires and have your chimney swept regularly. Remember to switch off electrical equipment at the socket - don't leave TV's or stereos on standby - and unplug them when on holiday. Make sure bonfires and barbecues are a safe distance from fences, trees, shrubs, sheds and your home.
Theft
Security locks on doors and windows are your first line of defence. Make sure they're adequate and use them even if you are just popping out for five minutes! 5 lever mortice deadlocks can provide additional security for doors and key operated locks for windows - double glazing is recommended for windows too. Fit outside doors with toughened glass.
When on holiday, cancel papers and milk and ask someone to collect your post so that there are no tell-tale piles of letters on your doormat. Lock your valuables away and use timed switches for lights. Don't leave DIY or garden equipment outside, lock it in a shed or in the house. Never leave keys near letterboxes as they could be easily taken without a thief having to get into your home. An alarm from an approved supplier will not only help protect your home, it could also bring down the cost of your premium. Join your local Neighbourhood Watch scheme, or if there isn't one, why not start one?
Burst pipes
Most burst pipes happen in the winter when the water freezes. Proper insulation and lagging will help protect pipes and tanks in the loft and outside. If you are planning a holiday, leave your central heating on low and open the loft hatch, so the warm air can circulate. Alternatively contact a plumber who can offer advice and if necessary, drain your central heating system.
Leaks
Check your radiator valves regularly for leaks. Guttering should be kept clear of leaves and moss and any damaged sections repaired. Damp patches, blistered paint and areas of mildew in your home, could be signs of slow leaks. Keep an eye on washing appliances and make sure they are properly fitted. Check overflows around your home periodically, as well as ball cocks on toilets.
Useful links
www.neighbourhoodwatch.net
www.environment-agency.gov.uk
www.homeoffice.gov.uk
www.police.uk
www.fireservice.co.uk
www.firekills.gov.uk
*Association of British Insurers - Key Facts 2007
