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Home Insurance – the Cost of your Kitchen

The perfect home to many conjures up images of family meals spent round large dining tables in well-equipped kitchens. Indeed the kitchen can be the focal point of a household and one of the key items on buyers’ wish list when looking for a property.

The kitchen can effectively make or break the decision to buy the property or even view it in the first place.

In fact for 15% of potential buyers, the need to have a large enough kitchen to place a dining table in is said to be the deciding factor. The unfortunate problem is that as the kitchen becomes the centre of the household your belongings begin to build up in that area also.

In a large proportion of burglaries reported to home insurance companies, items such as car keys, mobile phones and money are taken from the kitchen after being effectively left on display. It is vitally important that you do not leave items such as this in plain sight during the night.

For example, car keys are often left on hooks or tables just inside an entry way and can be sometimes hooked through a letter box. If you ensure your valuables are kept hidden it is less likely an opportunist thief will come across them in their haste.

Another thing to remember is the appliances themselves: it is very easy to accumulate a large amount of valuable content in the average kitchen in what has become a consumer society. Appliances such as microwaves, coffee makers, bread makers and many more gadgets are now commonly found in kitchens across the UK.

The problem is that under you house insurance policy you will only be covered for a certain amount of content. This cover is usually shared out over each room in the house and there will sometimes be a limit for the contents cover of each room. Therefore you could quite easily find that the content cover you have in place for your kitchen appliances is not nearly enough.

To recap on the important points:

• Don’t leave valuables such as car keys, mobile phones and cash lying around in kitchens or any other room

• Ensure you have adequate contents cover for your kitchen and any other room with large amounts of valuable possessions.

About the Author

Chris Rowlands is a UK-based author with experience within the financial industry centering on the insurance sector.

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