Did you know that hiding a spare key in case of emergencies could invalidate your home insurance if you suffer a break-in?
Did you know that hiding a spare key in case of emergencies could invalidate your home-insurance if you suffer a break-in?
Most home insurance policies require you to take ‘reasonable care’ to keep your property secure. Therefore, if a thief finds and uses a poorly hidden key, your insurer may argue the theft was preventable. Many policies only cover theft after signs of forced entry, meaning even leaving a key with a neighbour could be risky.
Remember, burglars will be familiar with all the classic hiding spots – under a doormat, plant pot, or even a fake rock. It’s advisable to check the terms of your home insurance policy carefully, as not all cover every method of storing a spare key.
If you're unsure whether your current policy covers certain scenarios, a home insurance adviser or insurance broker can offer expert guidance tailored to your needs.
Is It Time to Review Your Home Insurance?
As your renewal date approaches, it’s a smart move to review your home insurance policy. Over time, your circumstances may have changed, this could be because of home improvements, increased valuables, or new security measures and your policy should reflect that.
A thorough review with a trusted insurance broker can ensure you’re not underinsured or paying for cover that you don’t need. We’re here to help you compare options, clarify terms and make sure you have the right level of cover moving forward.
Don’t wait until it’s too late—speak to us today for a personalised review of your insurance and remember review before you renew!
As with all insurance policies, conditions and exclusions will apply.
