At this time of year you are probably more worried about getting those last minute presents than thinking about home insurance. But sparing a moment to make sure all those expensive gifts are insured could help avoid a miserable Christmas, should the unexpected happen.
According to a previous study by Defaqto, around 90 per cent of home insurance policies increase their level of cover over the Christmas period automatically. However, 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 (what with all those lovely presents) a lot of this is 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!
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