Home insurance: summer holidays can lead to 10% spike in burglaries

With a burglary spike expected over the summer, here’s how to keep your home safer while you’re away, and tips for sorting home insurance.

The content of this article was relevant at the time of publishing. Circumstances change continuously and caution should therefore be exercised when relying upon any content contained within this article.

Woman traveller walking alone with suitcase bag.

Image source: Getty Images

Do you have comprehensive home insurance cover? It’s more important than ever that you check your policy. According to research by Quotezone, burglaries spike by 10% between June and August each year. Here’s a look at what’s behind the summer burglary ‘boom’ and the home insurance cover you need to protect your property during the holidays.   


Inflation Is Coming

Inflation is out of control, and people are running scared. But right now there’s one thing we believe Investors should avoid doing at all costs… and that’s doing nothing. That’s why we’ve put together a special report that uncovers 3 of our top UK and US share ideas to try and best hedge against inflation… and better still, we’re giving it away completely FREE today!

Click here to claim your copy now!

The summer burglary boom

With the Covid-19 pandemic keeping us at home for so long, the summer months are a chance for thieves to make up for ‘lost time’ this year by targeting empty homes as we set off on holiday. Worryingly, though, Quotezone found that:

  • 73% of Brits don’t have a burglar alarm
  • More than half of us don’t live in an area monitored by neighbourhood watch 

In other words, our homes are vulnerable, which is why you need a suitable home insurance policy in place to protect your valuables. But does your home insurance cover break-ins while you’re abroad? Let’s take a look. 

Home insurance and holidays

First, check the fine print of your home insurance policy. Most policies cover you if you’re only away for a week or two. But if you’re leaving home for more than 30 days, you might be unprotected. Don’t worry, though – you can simply inform your insurer that you’re going away and arrange for extra insurance cover. This may cost you a little more, but it’s crucial your home is properly insured. 

Next, check what your policy actually covers. For example, although building and contents insurance normally covers some high-value items, it probably won’t cover all of your valuables such as garden furniture. If you need extra cover, now’s the time to take it out!   

Finally, it’s worth checking whether your policy covers your valuables if you lose them on holiday. If it doesn’t, consider looking for travel insurance with gadget cover.  

How to protect your home

Aside from taking out comprehensive home insurance, here’s how else you can protect your property this summer: 

  • Don’t tell anyone other than close friends and family about your holiday plans. In other words, don’t advertise your empty home all over social media – this could make your property vulnerable. 
  • Fence in your garden and keep the gate locked at all times.  
  • Make sure you have a burglar alarm and always check it’s working properly before you leave the house.
  • Consider investing in some CCTV equipment, if you can afford it. Or, simply put up a sign saying there’s CCTV in operation – this might deter burglars.
  • Use timers on your lights so they come on at night even if you’re not home.   

Check out the Met Police website for more hints and tips on home security.


Home insurance: takeaway

Are you heading off on holiday this year? If you’re leaving home for more than 30 days, don’t forget to tell your home insurance provider. Otherwise, you could invalidate your policy, which might leave you out of pocket if something happens while you’re away.

Even if you’re only away for a short time, make sure you’ve got a reliable alarm system in place, and keep valuables out of sight.

And finally, if you’re looking for home insurance, shop around for a good deal by checking out some price comparison sites like Confused.com and MoneySuperMarket

More on Personal Finance

Note paper with question mark on orange background
Personal Finance

Should you invest your ISA in a model portfolio?

Which model ISA portfolios offer both high performance and low fees? Hargreaves Lansdown, Interactive Investor and AJ Bell go under…

Read more »

Economic Uncertainty Ahead Sign With Stormy Background
Personal Finance

Is it time to exit emerging markets investments?

Investors may well be sitting on losses from emerging markets funds. Is it worth keeping the faith for a sustained…

Read more »

Personal Finance

Share trading? Three shares with turnaround potential

Share trading has been difficult in 2022, but which companies have turnaround potential? Jo Groves takes a closer look at…

Read more »

Man using credit card and smartphone for purchasing goods online.
Personal Finance

Revealed! Why Gen Z may be the savviest generation when it comes to credit cards

New research reveals that Gen Z may be the most astute when it comes to credit cards. But why? And…

Read more »

Environmental technology concept.
Personal Finance

The 10 best-performing sectors for ISA investors

The best-performing sectors over the past year invested in real assets such as infrastructure, but is this trend set to…

Read more »

Road sign warning of a risk ahead
Personal Finance

Recession risk ‘on the rise’: is it time for investors to worry?

A major global bank has suggested the risk of a recession in the UK is 'on the rise'. So, should…

Read more »

pensive bearded business man sitting on chair looking out of the window
Personal Finance

1 in 4 cutting back on investments amid cost of living crisis

New research shows one in four investors have cut back on their investing contributions to cope with the rising cost…

Read more »

Image of person checking their shares portfolio on mobile phone and computer
Personal Finance

The 10 most popular stocks among UK investors so far this year

As the new tax year kicks off, here's a look at some of the most popular stocks among UK investors…

Read more »