In London alone, about 68,400 burglaries happened in January 2022, up 29.6% from January 2021, during the depths of lockdown. Your insurance might give you some peace of mind, but avoiding the breaking & entering in the first place is better. That requires home security, which can range from locking the doors to adopting a dog. Best of all is in-home alarm system. 

What is the best security to deter burglars?

A lot of the security questions insurers will ask you are baffling inquiries about window keys and BSS 6321 five mortice locks. However, the facts are simple. Installing an alarm and a camera dramatically reduces the likelihood of a break-in. One UK study found that three out of five burglars won’t rob a house with an alarm system. Another study talked to 12 red-handed robbers, and all of them said they wouldn’t touch a house with a camera. 

But that doesn’t mean they wouldn’t ransack your garden office, and strip it of it’s high-tech, work-from-home computer kit. Nor is even the best security system a deterrent to all, since some burglars will rob your home even when you’re in it. For protection against such unflappable robbers, you need very good quality insurance coverage that will pay for your high-value items like jewellery, electronics, and art without quibble.

How much insurance coverage do you need?

According to the Office for National Statistics, the average cost of a residential burglary in the UK is £3,030. But many of us have dozens of single items in our homes – from antiques to televisions – which are worth far more than that on their own. They are just the types of items that burglars like to make off with. However, because the national average is so low, an average-Joe insurance policy is not going to cover them.

Most Home Contents Insurance in the United Kingdom covers items against theft, but the value of individual items covered is almost certainly severely limited, and cover against theft outside the home is very often excluded entirely. That means your new possessions may be badly under-protected while you’re back at the office, or even completely uninsured. Plus, to have any cover at all, your valuable pieces almost certainly have to be named in the policy, often with an independent valuation to prove their worth.

The Buildings & Contents cover you can buy from price-comparison websites and TV-ad companies won’t do the trick. Now that you’re back to work, you will need the peace of mind that comes with knowing you have everything properly insured. Fortunately, that’s only a few clicks away. Cover from Miller Private Clients brings the comfort of entrusting your valuables to a reputable insurance company. It’s available 24/7, so visit us now at Miller Private Clients for an instant quote.