Holiday Home Insurance


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Avoid the burglary blues when returning home from the holidays CNW Group (press release)

25.08.11

/CNW/ - As the last long weekend of the summer approaches, many families are looking forward to one more holiday hurrah away from home—and they're not the only ones. Thieves are just as excited for you to take a summer trip this Labour Day long weekend, leaving your home vulnerable to break-ins and theft-related crimes. The British Columbia Automobile Association (BCAA) reminds you to take precautions to protect your home and belongings before you head out.

According to BCAA, summer months are peak times for home break-ins with the majority of theft-related insurance claims occurring between July and September. Based on home insurance claims made, the most common methods of entry are through open windows, doors, or patios.

BCAA home insurance claims data also shows during the summer, it's common for items to be stolen from sheds, garages and yards such as BBQ's and bikes. In any home break-in, thieves target items that are typically high-in-value, lightweight and portable which make them ideal for an easy cash sale. The ten most stolen items reported to BCAA's insurance claims department include: jewellery, digital cameras, home theatre equipment, iPods, CDs, DVDs, cash, gift certificates, video games, and computer equipment.

Source:

bHoliday Home Insurance/b – The Perils In The Policy | Social b.../b

For many people, owning a holiday home is a dream come true, somewhere to escape from the daily rigors of life, somewhere to totally relax and possibly ( unless your lucky enough to be able to spend a good deal of time at your property) a means of securing an additional form of income by way of short term rentals. However, its not all plain sailing and if you don’t want you holiday property to turn in to a liability, you will have to spend some time, ” managing ” its up keep. It has been statistically proven that holiday homes are at a greater risk , from two major perils; Theft & Burst Pipes, but you can take steps to help minimise the chance of either happening at any property you own. Although both of these perils will be covered by a holiday home insurance policy, (subject to terms & conditions), preventing a loss is preferable and it should help to keep your premiums down as well.

Although, many properties do not have high sums insured for contents, you still would not want a break in to occur. So what can be done to deter the would be thief from targeting your property. Most thieves are opportunists and will undoubtedly be able to spot a house that does not looked lived in. So making your property look as occupied as possible will assist. Some of the following are easy to attend to.

1- Keep the garden and grounds in good order, there is nothing like an un cut lawn to advertise that a property is not being lived in. You may attend to the garden in the summer months, but winter is equally important. Thieves like to work, undisturbed , so any hedges, bushes or trees that become over grown may help a thief stay hidden from view. At least once a year, make sure that the drains and guttering etc and checked, to make sure they’re free from leaves etc. Leaves and rubbish blocking drains can often lead to problems with flooding especially now as seem to be experiencing more intense downpours.

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