Homeowners Insurance Lowdown

A careless act could leave you minus valuable property without the umbrella of insurance covering you. Confused.com, the online insurance search engine, reports that 71 percent of consumers are in danger of invalidating their insurance by simple acts such as leaving windows open and failing to fit doors with proper locks.

A survey conducted across a sample of 1,000 homeowners revealed these startling statistics:

• As much as 81 percent confessed that they failed to inform insurers of construction work being undertaken in their homes. Accidents occurring in such cases will not be covered under your policy.
• Over 70 percent were guilty of leaving windows open in unoccupied rooms.
• A quarter of those surveyed said they hid keys for friends and family to use.
• Around 20 percent left valuable accessories lying about in their gardens.
• As much as 12 percent did not report burglary and theft to the police.
• Three percent used their residences as places of business without informing their insurers.
• And another three percent left their homes vacant for more than 30 days in a row. This means an automatic invalidation of your policy.

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