So here are three easy steps to doing just that…
1. Get insured
As soon as you move into any new property you need to get insured.
Buildings insurance protects the building and its fixtures and fittings from damage in unforeseen circumstances, such as fire, storms, floods, subsidence, burst pipes, theft and falling trees. This could mean anything from roof repairs to a complete rebuild.
If you’re renting, buildings insurance should be covered by your landlord. But if you’ve bought your home and have a mortgage, buildings insurance will usually be one of the conditions imposed by your lender.
The amount you insure your property for should be based on the rebuild value, not the market value. If you need help with this, contact a surveyor through the Royal Institute of Chartered Surveyors (RICS).
You should also think about contents insurance – this applies whether you’re renting your home or you’ve purchased it.
Contents insurance covers the possessions within your home against accidental damage as well as loss and theft. Although it’s not compulsory, it’s a very good idea – you can never underestimate how much it would cost to replace everything.
The level of insurance you need depends on the value of your contents, so you need to think about this before approaching a provider. Go through every room in your home and tot up how much you think your possessions are worth.
Once you’ve worked out the level of cover you need, compare home insurance quotes to get the best deal.
2. Get secure
Next up you should check out your home’s security. Take a walk around the outside of your new home, looking at it as a burglar might.
Keep an eye out for any potential security weaknesses such as windows without decent locks.
It’s also worth having a look at night to see how easy it could be for a burglar to sneak around – you can then install security lights and an alarm system if necessary.
3. Get it checked
Boilers, electrical wiring and gas cookers can all be sources of danger if you don’t check they’re in good working order.
If you bought your property, depending on which survey was carried out, this may have been checked already.
But if not, get a professional in to make sure everything’s working perfectly - the last thing you want in your new home is a leaking gas pipe or faulty wiring, and the consequences of either could be costly.
If you follow these simple steps to make your property safe and secure, you’ll be well on your way to the happily ever after you’ve always dreamed of.
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