What specific security measures can reduce my home insurance premiums?

Many insurers offer reduced premiums for homes with effective security measures. These can include basic low-maintenance features like security shutters, deadlocks on all doors and a fully fenced backyard. More advanced systems like working alarm systems and sensor lights are often rewarded even more. Having a dog can also sometimes lead to lower premiums as they are a strong deterrent. Always check with your insurer about their specific discounts.

Will my home insurance cover theft if my doors or windows were unlocked?

Generally, home insurance policies will not cover theft if burglars gained entry through an unlocked door or an unsecured window while you were away from home. Insurers expect you to take reasonable precautions to secure your property. Always ensure all entry points are locked and secured before you leave your home.

Are items stolen from my shed or garage covered by my home insurance policy?

Theft from a shed or garage is often covered by home insurance but typically only if these structures were securely locked at the time of the break-in. There may also be specific limits on the value of items covered in outbuildings. For example, power tools are often valuable and should ideally be kept in a locked garage rather than a shed.

What is the 'unoccupied home' clause in theft insurance?

Most home insurance policies have a clause stating that theft cover may be void if your home has been left unoccupied for an extended period, typically between 60 to 90 consecutive days. If you plan to be away for a long time, you are usually required to take steps to make your home appear occupied. These steps might include having someone collect your mail, mow your lawn or check on the house regularly.

Does home insurance cover theft if the thief was an invited guest?

No, home insurance policies typically do not cover theft from people who were in your house with your consent. This exclusion also applies if the theft occurred due to your failure to take reasonable precautions, such as having uninvited guests at a party who then steal items.

Are there limits on how much I can claim for valuable items like jewellery or electronics?

Yes, most home and contents insurance policies include limits and sub-limits for certain categories of valuable items. For example, electronics, art and jewellery might be restricted to a maximum payout per item and a total maximum amount for all such items. If you have particularly high-value items, you may need to specify them on your policy or purchase additional cover for an extra premium.