SAFE AS HOUSES

There are some regular enhancements you can implement to further reduce premiums on both your building and contents insurance. Having a fully functional alarm system installed is one. “Ensure the back-up battery for alarms, gates and fences is in good health,” says Grové.

Especially in the colder months when loadshedding becomes more prevalent, your property can become a target for burglaries, so it’s even more important that your alarm is in working order when relying solely on battery power.

“Also unplug all appliances that were being used before the power outage to prevent them from turning on unattended when the power is restored,” says Grové. “This will also protect these items from electricity spikes or surges.” Consider installing surge protection equipment to reduce your premiums.

“Your home is your castle,” says Smith. “By taking care of it, it not only increases the value of your asset, but it also ensures that you meet the conditions of the policy for a valid claim.”