Home security and insurance

According to Home Office Police Statistics and British Crime Survey reports, almost 80% of burglaries are carried out by opportunist thieves. They identify an empty house where they can get in and out quickly and the thief simply walks in without using force because a door or window has been left unlocked or open.

Over the years, there’s been a certain amount of confusion about home insurance and the requirement for certain types of door security. The ideal minimum security that insurers look for is 5 lever mortice deadlocks and window locks on accessible windows.

However, this isn’t always possible. Buying home insurance online is unlikely to be the best solution if your home doesn’t tick the required boxes.

An experienced insurance broker can explain the requirements for your specific property and find a solution that works for you, as well as providing guidance on security for your home.

Smart home devices and the risk of a cyber attack

Smart devices are the everyday items that connect to the internet and are becoming an increasingly popular part of life at home. Connected home devices are those items that allow you to control household appliances using your smartphone or devices such as Amazon’s Alexa. Common examples are heating and lighting systems that you can turn on/off and security-style doorbells that enable you to see who’s at your front door via an app.

But you can’t just switch on a smart device and forget it. Just like other IT equipment, smart devices can be hacked to leave your data and privacy at risk

Some home insurance policies now come with home cyber cover – but not all. Home cyber cover can include cover for the costs associated with rectifying damage to your home systems, restoring lost or damaged data, removing viruses and hiring professional consultants to prevent further attacks. In addition, home cyber cover can also provide help if you become a victim of online fraud, hacking or cyber ransom.

It’s important to understand the home insurance cover you have – and the cover you need.

Rather than using an internet comparison site, seek advice from an expert who knows and understands the insurance world – and is willing to take the time to understand your individual needs.

Talk to our friendly team of experts and find out how we can help you protect your home and your lifestyle with the right insurance solutions. We’re here to help.