Teen parties

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Home Disasters
Whilst most homes will suffer from these more common events, the research reveals that some will have extreme disasters, such as fire (10%), subsidence (6%) and flood (3%). The most frequent claim is for accidental damage, such as spilling food or drink on carpets and sofas, damage to TVs or entertainment equipment, DIY accidents such as drilling through a cable or water pipe, or even damage to patio doors and double glazing. home owners insurance rate. buy best home insurance. homeowners home owners insurance. Read more...

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Sods law costing millions.
* The research found that 30 per cent of people have spent money to rectify a sod’s law situation, of whom 24 per cent have spent at least £200. Instances happen so regularly that a third (32 per cent) of those questioned for Home Response 24 – Direct Line’s 24-hour accident emergency service – said their bad luck home emergency occurred within the last week. Sods law costing millions. home owners insurance rate. buy best home insurance. homeowners home owners insurance. Read more..

Get home insurance to cover all of the contents of your house against burglary and damage. We can also give you a quote for building insurance to protect your house. - AA Home Insurance

Teen Parties

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Teen parties

Teen parties leave parents out of pocket Balmy summer nights and the end of exam season could cause a financial headache for British parents as their offspring's celebrations get out of control. According to new research from Zurich Insurance, UK teens have partied their way through £136 million1 of damage to their parents' homes over the past five years. Nearly half (45 per cent) of teenagers have thrown parties and, of these, 43 per cent have resulted in domestic damage. And for any parent planning on leaving their teenager home alone this summer, an average repair bill of £132 might cause them to think again. Carpets are the first fatality of teen gatherings: more than one in three (35 per cent) fall foul of wine and food spills. Sofas, curtains and other soft furnishings come a close second; with 22 per cent looking the worse for wear after the guests have left. A further one in 10 parents have returned home to find their garden damaged.

White elephant gadgets.
Scots are the most choosy when it comes to present buying, with just 17% admitting to buying someone a gadget gift that they expected would never actually be used, compared to 31% of East Midlanders - the worst culprits. home owners insurance rate. buy best home insurance. homeowners home owners insurance. Read more...

And, shockingly, one in 20 (5 per cent) have even had possessions stolen from the house. It seems that hanging out with a good crowd makes little difference to the repair bill. Gatecrashers are a problem at nearly one in seven (15 per cent) get-togethers, but even invited guests can cause problems with a fifth of mums and dads complaining that underage guests don't respect the family home. And one in five (19 per cent) parents say when the kids have a shindig, it just gets rowdy and out of hand - resulting in them being out of pocket. As well as being hit in the wallet, the teen party aftermath also involves spending hours clearing up for one in three (31 per cent) parents. And when they've sorted out the house, many are left appeasing irritation from next door, with one in 10 (12 per cent) neighbours complaining about noise.

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However, the research also reveals that many mums and dads haven't exactly hung up their party hats just yet - three in five (60 per cent) parents have held a knees-up within the last five years and, of these, a third (31 per cent) admit the house has suffered as a result. And when they do have a celebration, things are almost as likely to get out of hand for them as for their offspring - for both age groups; nearly one in five (18 per cent) say that rowdy guests are a big problem. The general rule seems to be that parties cost in more ways than one, with the average parents' party repair bill standing at £100. Martin Hall, Head of Home Underwriting at Zurich Insurance said: "Teenage parties are a fact of life for most parents, and while they always seem to start off small, everyone knows someone who has returned home to a gathering that has got that little bit out of hand. But it's interesting to see that parents aren't shy of a party either!

Rise in Halloween horrors.
But the fact that claims triple might come as a surprise. A carpet burnt by the flame in a pumpkin thrown into a hallway. A garden shed wrecked by trick or treater's dressed as witches. A sofa ruined by candle wax. home owners insurance rate. buy best home insurance. homeowners home owners insurance. Read more...

The difference, however, is that although a number of parents' parties resulted in damage, teenage parties cost mums and dads a third more in household repairs. "With party season just around the corner, we would urge homeowners to check their home insurance policies. Most insurers' buildings cover extends to basic mishaps such as broken windows, but it might also be worth extending the protection for contents to include accidental damage cover for things like stained carpets and damage to furniture, so that you are well prepared for any exuberant guests." Notes Methodology: The research was carried out by Tickbox.net in April 2006 and is based on a sample of 1,133 parents with children aged between 14 and 22. According to Census (2001) data, there are 5,422,766 teenagers (aged 13-19) in the UK. 44.5% of these have thrown parties=2,413,131 42.7% of these have caused damage to their parents' homes=1,030,406 Each teen party on average costs £132 in repairs, so: 1,030,406 x £132=£136,013,592

Nobody home
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. In the year to 31st March 2005, there were 58,000 domestic fires in the UK*. Make sure your contents are insured for a generous limit - your belongings are often worth more than you think. home owners insurance rate. buy best home insurance. homeowners home owners insurance. Read more..

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Be Aware Flood Dangers
If you have one, remember to take your mobile phone upstairs too, and keep it charged. home owners insurance rate. buy best home insurance. homeowners home owners insurance. Read more...

Gift Fest This Christmas
Research by Churchill Home Insurance reveals that parents are planning to shell out £119 on presents for each of their children this year. Homeowners should review their contents sum insured in the New Year to ensure they have adequate insurance cover following their Christmas spending.” Meanwhile, 50 percent of parents admit that for their kids, Christmas is all about a visit from Father Christmas and the giving and receiving of presents. home owners insurance rate. buy best home insurance. homeowners home owners insurance. Read more...

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