Most people at this time of year are more worried about getting those last minute presents than thinking about home insurance. But you might want to spare a moment to make sure all those expensive gifts are insured to help avoid a miserable Christmas, should the unexpected happen.
While many home insurance policies increase their level of cover over the Christmas period automatically, it is by no means done so universally. In addition, the amount by which insurers increase their policies varies considerably. Typically the Christmas allowances range from £1,000 up to £25,000. That means that at a time of year when the value of a typical household's items is at it's highest (when you take into account of all those presents) a lot of this could be uninsured.
In addition, the duration of any increases can vary considerably - but typically start from 30 days preceding and end 30 days after Christmas. So make sure you check whether your home insurance policy covers Christmas and take precautionary measures if needed!
(image taken by apdk (anthony kelly) - flickr)
