--- title: Home Insurance at Christmas date: 2009-12-09T00:00:00+00:00 author: Ellie Kyle canonical_url: "https://www.assetsure.com/homes/home-insurance/home-insurance-at-christmas/" section: News --- Our Customers Love Us! Home Insurance [Trustpilot](https://uk.trustpilot.com/review/assetsure.com) ### Get a Quote [Get Quote](https://intasure.com/home-insurance/?introducer=59999022) [Home](/) › [Property Insurance](https://www.assetsure.com/homes/) › [Home Insurance](https://www.assetsure.com/homes/home-insurance/) › [Home Insurance at Christmas](https://www.assetsure.com/homes/home-insurance/home-insurance-at-christmas/) # Home Insurance at Christmas it’s probably, not the first thought on peoples minds, but checking [home insurance](/home-insurance-quote/ "Home Insurance Quote") polices at Christmas, to ascertain the level of cover your are being provided with is essential. Most contents policy are still arranged on a fixed sum insured basis, and in the event of a loss, this sum insured is supposed to represent, the total cost of replacing all of your contents. In the event that you are underinsured and you have a claim, the insurers could apply an “average clause”, where by they reduce your claim, in proportion to the amount of under insurance. At this time of year, when people are buying presents, some sums insured can increase quite dramatically and an adjustment needs to be made to the sum insured. The good news, is that most modern home insurance policy wordings, will automatically provide an increase in the sum insured to help protect you. The increases do vary but 10% is about the average. Some other home insurance providers, will simply allow a set increase, such as £1000.00. However, most insurers will only apply this increase in sum insured during the month of December, so the keen Christmas shopper, who starts early, should make sure that have the correct cover, earlier in the year. Christmas, is a time of celebrating and often celebrating, can lead to spills and breakages in the home. If you have a home contents insurance policy, arranged on a standard perils only basis, you will probably have included without extra charge, accidental damage, to: televisions DVD equipment, video recorders, computers and sound reproducing equipment, these are often broken at Christmas as people rearrange rooms or simply spill liquids on them. If you require cover for any other type of spill or breakage, then you will need to make sure that your policy has been extended to full accidental damage. As with other claims, cover will be subject to an excess. You may find that other people take a great deal of interest in your Christmas purchases, and at this time of year, there is often an increase in the number of Break ins. Although theft is a peril covered by home insurance, it’s best prevented if possible, it’s upsetting enough at any other time of year but anyone that has been burgled at Christmas, knows it is a far worse experience. If you are going out for an evening, make sure your home is secure and locked, take all your usual precautions such as leaving lights on etc. After Christmas, if you are going to through out packing boxes etc, especially for electric items, don’t advertise the fact you have new items in your home by leaving the boxes, visible outside. A number of thieves, trawl areas, looking out side peoples homes, to obtain an idea of what new items they may have acquired. Make sure that cardboard boxes are cut up and if possible ( or allowable by your local authority), place them inside bin bags. If you are staying away with relatives, you may like to check that your home insurance policy covers you for your own belongings whilst temporarily removed from your own property. It is usual for an insurer to give you a percentage of your sum insured in this respect (Items listed under your all risks section, should be covered anyway). One more thing to check over the holiday period, is the cover you receive under your policy whilst the property is unoccupied. ## Latest News & Advice [![Dealing with Woodworm and Dry Rot](/assets/uploads/images/_800x405_crop_center-center_none/assetsure-banner-plain.jpg)](https://www.assetsure.com/homes/home-insurance/woodworm-dry-rot/) ### [Dealing with Woodworm and Dry Rot](https://www.assetsure.com/homes/home-insurance/woodworm-dry-rot/) Woodworm, Dry Rot and Wet Rot. One of the most costly maintenance problems for homeowners is woodworm, dry rot and wet rot. If left untreated it can huge amounts of damage to the interior of your home. There are treatments and remedies to prevent it’s spread and to eliminate the problem it becomes critical. Woodworm is most commonly caused by the furniture beetle which leave larvae boreholes inside the major woodwork elements of a property. These area include the roof timbers, joists, staircase and floorboards. Woodworm can also infest ordinary household furniture causing a home insurance claim problem.... [![Types Door Window Locks](/assets/uploads/images/_800x405_crop_center-center_none/window-lock-news-banner.webp)](https://www.assetsure.com/homes/home-insurance/types-door-window-locks/) ### [Types Door Window Locks](https://www.assetsure.com/homes/home-insurance/types-door-window-locks/) Types of Door and Window Locks – when purchasing a home insurance policy, you may find that your insurance company want you to have certain security measures in force at your property. These should be studied most carefully as without the correct protection being in force, you may find your cover compromised in the event of a claim. For most people, this involves having good quality door and window locks. Good physical security at your property, will be of a far greater benefit in deterring Theft than having an alarm fitted, but not being a lock expert, have do you discover if you have the correct locks fitted at your home?... [![Subsidence Structural Problems](/assets/uploads/images/_800x405_crop_center-center_none/assetsure-banner-plain.jpg)](https://www.assetsure.com/homes/home-insurance/subsidence-structural-problems/) ### [Subsidence Structural Problems](https://www.assetsure.com/homes/home-insurance/subsidence-structural-problems/) Preventing or Dealing with Subsidence and Structural Problems.Whilst subsidence is usually covered by a building insurance policy, it is definitely something that you do not want to happen at your property if at all possible. Claims for subsidence can be on the large side ( hence the reason for the standard policy excess being £1000) and even if the building is repaired by the insurance company, you may find that’s in the future, insurance is harder to source ( and possibly more expensive) and the market value of the property and it’s marketability may also diminish... [More News](https://assetsure.com/news) ## Why choose our specialist insurance cover? ### Home Insurance from Assetsure Our Home Insurance can provide cover for your Buildings, Contents and Personal Effects. Monthly payments available ### Legal Assistance as Standard All our policies include Legal assistance as standard up to £50,000 This offer Legal protection for problems relating to employment, contracts, property and personal injury etc. ### Home Emergency as Standard All our policies cover Home Emergency as standard up to £500. this offers protection against unexpected events such as the failure of your main heating system, blockage of drains or failure of your domestic gas or electricity supply ### £1,000,000 Cover for Buildings We automatically provide you with £1,000,000 cover for rebuilding cost of your property, ideal if you are unsure of your re-building cost. ### Excellent service offered We like to offer all our customers a first class service, which is backed up by our Trust pilot ratings. We are open 6 days a week to assist you with your enquiries. ### Instant cover and policies Most of our policies you can now buy online and receive instant documentation. 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