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Families On Summer Holiday Leave Homes At Risk Office for National Statistics shows that 42% burglaries in England & Wales have taken place when the occupants were not in their household. And M&S Bank revealed that on average holidaymakers leave their home unoccupied for 10 days during the summer. With the summer at its peak most of us would be on holiday or at least planning to go soon. The issue is that many homeowners have not planned any security precautions and is often overlooked.
Does my Insurance policy cover burglary? Your home insurance should be covered by burglary but often the case there is many scenarios which could lead to your Insurance Claim being rejected by insurers.
LONG HOLIDAYS Your policy states that long extensive holidays where your home is left unoccupied for more than 30 consecutive days can lead to a repudiation.
SECURITY Most policies state that homes should be protected by a minimum level of security. This generally includes deadlocks on external doors and locks on accessible windows. Having security systems like burglar alarms and CCTV can often lower your Insurance Claims Fees and also provide you with the extra security to prevent burglars. In the event of a claim you will have a higher chance of being paid out as you have shown adequate effort to secure your home.
OUR THOUGHTS Our advice is to be accurate with your insurance provider. If you have mentioned to them that you have a burglar alarm and is required in policy. Not doing so may lead to a repudiation in your claim. Always forget to set the alarm every time you leave your home. Never use a dummy alarm as this will not reduce your insurance premium. Check your policy that you are covered for high-value items. For certain high-value items, additional cover may be required to protect them in case of an incident.
Original Source: Loss Assessors