March 08, 2012 04:00 ET

Help Protect Your Home From Risk

LONDON, UNITED KINGDOM--(Marketwire - March 8, 2012) - We spend a large proportion of each day within our homes. They are much more than buildings, acting as places of shelter where we raise our families and keep our most prized possessions.

While homeowners may realise the importance of protecting their property, they may not always realise the ways in which they are unwittingly putting themselves at risk. Here are five ways in which you might be making your home unnecessarily vulnerable:

1. Poor Property Maintenance

All homes have a number of fixtures and fittings which need to be serviced on a regular basis. Unfortunately, these checks are often neglected, leading to accidental damage occurring. If utilities such as boilers and pipes break or rupture, or drains block, they can cause a large amount of damage to buildings and their contents. Having them checked annually - and investing in drain repair or jetting if necessary - is an easy way to make sure that they are safe and reliable.

2. Casual Security Procedures

When leaving the home it is vital that you always lock all doors and windows and do not leave valuable items such as mobile phones, laptop computers, or car keys in open view of a window. Such action will deter the opportunism of 'smash and grab' thieves and reduce the likelihood of acquisitive burglaries occurring. If keys are lost or assumed stolen, a 24-hour emergency locksmith should be contacted immediately in order to change the locks. Becoming complacent with these kinds of security procedures will immediately put your home at more risk of break-ins and loss.

3. Unwise Use of Social Media

Social media is an undoubtedly large part of modern life, but irresponsible use of sites such as Facebook or Twitter could put your homes at risk. Revealing that you will be away from home or on holiday online simply advertises that your home is unoccupied to potential thieves, leaving you vulnerable to damages or break-ins. Property stolen will be costly to replace, and it is unlikely that contents insurance can cover the value of sentimental items or family heirlooms.

4. Lack of Security Devices

Whilst not necessarily an essential item for the home, security devices can - and do -act as deterrents to thieves and opportunist criminals. These devices are available in a range of different formats and help to protect your home from damage and theft. Security devices include products such as extra locks, burglar alarm systems or CCTV cameras.

5. Lack of Adequate Home and Contents Insurance Cover

The most common way in which homeowners put their properties at risk is through inadequate or insufficient home insurance cover. Comprehensive home insurance policies offer financial protection for your personal possessions and the structure of your house in the event of accidental damage or a robbery. Buildings insurance will only cover the physical structure of your building, whilst contents insurance will only protect possessions contained within your home. When buying insurance make sure you read the small print to ensure you're fully covered against all eventualities.

Contact Information

  • Sutherland House
    Maple Road, SURBITON, Surrey
    KT6 4BJ
    020 8481 2200
    020 8481 2288 (FAX)