The truth about home security maintenance
Most people greatly underestimate the value of their home’s contents. One reason for this could be the way in which we buy it. The contents of our home are generally accumulated over many years; we don’t just go out and buy everything in one clean sweep. Therefore we have no idea how much all of our ‘stuff’ is actually worth. What’s more, although most things decrease in value, some things, such as collectors items and works or art for example, increase in value over time. Wander round your living room, laptop and search engine to hand, and see if you can get a rough estimate of the total worth of your contents; you will probably be surprised.
Trying to replace all of this from your own pocket is completely out of the question. As mentioned above, you didn’t buy it all in one clean sweep originally, so you’re not about to do so if something were to happen to it all now. This is where insurance comes in. Contents insurance is vital if you have anything of significant value you don’t want to replace yourself. If you need to update your policy, home contents insurance from Legal and General is currently the best available on the internet according to Your Money, who voted them best online home and contents provider.
But insurance on its own isn’t enough. You need to prevent bad things happening in the first place. However, according to the last Legal and General ‘Safe as Houses’ survey, although people have security and protection methods in place they fail to maintain them. For example, 85% of respondents had window locks and 72% good quality door locks, but 37% are putting off maintenance and 21% and delaying plans to fix broken or damaged items.
40% of respondents claimed they had a burglar alarm, but only 44% of them had actually tested it to make sure it worked. Shockingly 11% were ignoring faulty alarm systems altogether.
Seeing as ‘home is where the heart is’, it’s surprising so many people do not make checks and keep up maintenance on things that can not just protect their possessions but save their lives. 69% of people have never checked their fire extinguisher, 56% had failed to check their intruder alarm, 54% had never checked electrical wiring, 51% didn’t bother checking gas pipes and 42% didn’t think it was worth checking the roof and chimney. It is your responsibility to protect the contents of your home by making frequent checks and tests of all security and safety measures. a0c30000001f7yR
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