Nobody home

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Rise in Halloween horrors.
A wall damaged by Halloween spray paint. A window shattered by a trick or treater's broomstick. A sofa ruined by candle wax. A carpet burnt by the flame in a pumpkin thrown into a hallway. But the fact that claims triple might come as a surprise. find online home insurance. owners home damage insurance. cheapest home insurance quotes. Read more...

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Home Disasters
Although more rare, these disasters can be costly and have a substantial impact on a household - potentially resulting in a claim for the full value of the property and all its contents. * Churchill analysed over 21,000 home insurance claims made in 2005. Martin Scott, Head of Home Insurance at Churchill, said:. find online home insurance. owners home damage insurance. cheapest home insurance quotes. Read more..

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Nobody Home

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Nobody home

KNOCK KNOCK NOBODY'S HOME - BRITISH HOMES REGULARLY LEFT EMPTY. 16 February 2005 9.3 million Brits (33%) work longer than average hours.4 million workers (14%) spend between 90 minutes and four hours commuting each day.Almost a quarter (23%) go out 2 or 3 nights after work.More than two thirds don't have time to cook an evening meal every night.An Englishman's home is no longer his castle, but instead more of a hotel, according to research from leading home insurer MORE TH>N. Long working hours and lengthy commutes are now standard, and when combined with evenings and weekends spent out and about, it means many homes are left unoccupied much of the time, used as little more than a place to sleep.Despite the fact that the eight-hour working day is now just a pipe-dream for more than a third of workers in the UK, almost a quarter - 6.5 million - still go out 2 or 3 evenings during the week, whether for fun or for evening classes.

Winter can drain cash.
- A network of fully vetted tradesmen who can help with the most common domestic emergencies such as plumbing and drainage problems, broken central heating systems, damaged doors and windows, interruptions to the electricity supply, roof damage, vermin and lost keys. find online home insurance. owners home damage insurance. cheapest home insurance quotes. Read more...

And the weekend is no longer a time for lazing around the house as over a third (35%) of working Brits say they spend less than half of their daytime at the weekends at home, and four in ten go out for at least one weekend night.So what is the home used for when people do make an appearance? Not for slaving over a hot stove, it seems. The research also showed that people are erring on the side of convenience when it comes to evening meals. One fifth (20%) of people admit to often ordering food in or eating take-aways, and more than two thirds (68%) don't get home in time to cook a regular evening meal every night. Nearly one in ten people (9%) say they rarely do a weekly food shop.As well as not getting round to cooking, this detachment from the home is highlighted further by more than one-third (39%) of people who said they still haven't got round to fully furnishing or decorating their home.

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More than a quarter (26%) of people say they don't have pets because they're not home enough to look after them properly, and 1.4 million (5%) have so little time at home that they employ someone else to do either their housework or laundry. David Pitt, Head of Insurance at MORE TH>N, comments, "The modern work environment is putting more pressure on people, meaning we have less time to do important things like seeing friends and family as well as cooking, housekeeping and shopping for groceries. So despite our national obsession with owning property, our homes are becoming more and more like hotels - simply places to sleep and store clothes."Although the incidence of domestic burglaries has fallen in recent years, the British Crime Survey reveals that an estimated three in every 100 houses falls victim every year. Low occupancy levels are highlighted as a key contributing factor in the vulnerability of homes to burglary. As a minimum, any external doors should be fitted with a 5-point lock, and all windows should have locks that meet British standards.

Wasting money
The 1.8 million homeowners digging fishponds in their gardens could suffer an average of £3,854 each in lost value and concreted over front gardens may set the owners back by a similar amount, according to Habitus. Many of these costly home improvements are inspired by home makeover shows, with one in twenty (6 per cent) saying that TV shows motivate them to make these changes. find online home insurance. owners home damage insurance. cheapest home insurance quotes. Read more...

It is also worth considering a monitored alarm system.People also need to be aware of other risks in leaving their home unoccupied, including fire. In the year to 31st March 2005, there were 58,000 domestic fires in the UK*. Heaters, ovens, candles and appliances left running, especially heat-generating items like hair straighteners, can easily cause a fire and in only a few minutes a home can be engulfed in flames. As well as exercising reasonable caution with safety and security in your home, good home insurance cover is essential. Make sure your contents are insured for a generous limit - your belongings are often worth more than you think. Also make sure you're covered for personal liability in case you cause damage to someone else's property. If you own your home, it's important that you have home insurance to protect from fire, flood and subsidence, as well as accidental damage to drains, pipes, cables and underground tanks.

Creepy claims
Spillages - 14 per cent of claims were blamed on spilt drinks/paint/household liquids. Creepy claims Creepy claims arise on Friday 13th. Other – 6% Greg Dawson said, “Theses type of accidents would be covered under our Accidental Damage cover – an addition to the standard home insurance policy.” Churchill’s data was taken from over 10,000 of its own home claims for 2004. find online home insurance. owners home damage insurance. cheapest home insurance quotes. Read more..

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British Women Waste
British Women Waste As the shops gear up for further price reductions this weekend, Brits are being urged to ‘shop smart’ as new research reveals that British women own £7.3billion* worth of clothes that they don’t wear. find online home insurance. owners home damage insurance. cheapest home insurance quotes. Read more...

Be Aware Flood Dangers
In Northern Ireland businesses can get information from the Rivers Agency. The MORE TH>N risk mapping tool has been based on the company’s own geological engineering risk techniques combined with digital terrain mapping, address verification information from Ordnance Survey and a Geographical Information System supplied by ESRI (UK) Ltd. Advice can also be found on their websites:• EA – environment-agency.gov.uk. find online home insurance. owners home damage insurance. cheapest home insurance quotes. Read more...

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