With Winter comes the bad weather, the threat of freezing pipes and snowfall, as well as the thought of being without hot water or heating. Ensuring that you have the right protection will enable you to focus on what is important; spending time with loved ones in the warm.
The last few weeks have seen the weather take a turn for the worst, with large quantities of snowfall covering the UK in a blanket of white. This, coupled with the longer, darker nights, can provide worry for residents throughout the UK, so in Coversure’s latest blog we offer helpful tips to protecting your home and ensuring you stay protected throughout the winter months. Want to speak to us about your insurance needs? Find your local office here.
Secure Your House
Did you know that homes with no security measures in place are five times more likely to be burgled than those with even simple security measures? This is according to the College of Policing, and there are several steps that could make a big difference in keeping your home safe from burglars. Some of their suggestions are as follows:
- Leaving lights on a timer – this will make the property appear occupied and lived in, thus deterring any burglars who may be considering entering the property
- Lock your windows and doors every time you leave the house – this includes even when you are just out in the garden
- Keep ladders and tools stored away – where possible try not to keep equipment like this stored outside where they could be used to break into your home
Having a visible deterrent, like CCTV, can be vital in protecting your home. Burglars will be discouraged from targeting your house as the chance of them being caught is higher. Having CCTV will also mean that in the unfortunate event that you are burgled, the chances of the police catching the criminals are increased, and odds may be back in your favour.
A further advantage to visible security features or intelligent security systems is that insurers will take into account your security measures when calculating your premiums. If you have a house with CCTV or other security systems, this could reduce the amount that you pay in the long term.
Check Your Pipes and Boiler
In winter time, one of the biggest threats to your property is damage to your water pipes, both inside and outside your house. These pipes can be subject to cracking or breaking, which could lead to water pouring into your house. However, as the days get shorter and colder, the main problem with pipes is the risk of them freezing. If your pipes aren’t properly insulated, the water inside can freeze and cause the pipes to swell and burst. This can be easily sorted by having the correct pipe insulation, or by keeping your heating on at periods throughout the days and nights, ensuring the weather does not drop below freezing.
As the temperature gets colder in the winter months, boilers are in high demand, and as such are worked harder to warm your house and water. A 2014 report published by GoCompare established that the average cost of boiler repairs was £469, with 12% of people asked in the survey having a bill of over £1,000. At the time when you may have elderly relatives staying, or as the temperature drops, the last thing you need to worry about is not having a boiler that works. The same report stated that a fifth of households haven’t had their boiler serviced for 2 years or more, and the likelihood of having your boiler breaking can be reduced by undergoing routine services.
Chat with a Broker
All sound expensive? Although the suggestions listed may initially cost you money – such as regular boiler services, or an installation of an updated security system – insurance companies will take your security measures into place and could result in offering you a lower premium.
By speaking to an insurance broker, you can get a policy that is tailored directly to your needs. This ensures that you are paying for cover that you need, not paying a bulk amount for a package deal, with half the features that are not applicable to your day-to-day life. Our team at Coversure can scour the market and find you the best deals to suit your needs, which can not only save you money, but time as well. To find your local office, please click here and one of our team would be delighted to assist you.