The confluence of two factors has heightened the need to take out home insurance this winter. As the nights begin to draw in after November, the rate of burglaries rises each year over a quarter from the number committed in February, and this year could see that number rise even further.

Earlier this year the government predicted that the economic downturn in the country could see crime rates begin to rise again after years of overall decline. In a leaked report, Jacqui Smith the Home Secretary has been quoted as saying that there will be a "significant upward pressure on acquisitive crime (theft, burglary, robbery) during a downturn".

Downturn
Research by the Observer newspaper found that over half of Police Forces surveyed had seen a rise in burglaries compared to the previous year. The Liberal Democrats attacked what they saw as the government's failings.

"Labour were quick to claim the credit for the economic boom, but are now trying to dodge the blame for the downturn and its effects on crime" added Liberal Democrat MP Chris Huhne.

The fear of crime rises related to the economic downturn, has also coincided with research carried out by insurer More Than, who explained that the period after people put their clocks back an hour is the time of highest risk for residential burglary.

The Insurer made clear that the shortened amount of daylight at this time of year gives burglars added opportunity to commit crimes under cover of darkness.

Keith Maxwell from the company said: "Being burgled is an extremely distressing experience, so it's important to be safe and look to prevent situations that can aid a break-in. I would urge all homeowners to take the time to regularly review the security of their property."

Protecting yourself
He also laid out a number of positive steps that homeowners could take to reduce the chance of becoming a victim of burglary.

The most important crime prevention strategy for your home is also one of the simplest. Most thefts are crimes of opportunity, so by making sure all your doors and windows are securely locked you can prevent most opportunist criminals. It is also advisable to leave your house lights on while you are out to give the impression that the residence is still occupied, also keep any street-facing curtains shut to prevent anyone peering in. Outdoor lighting is another inexpensive solution, and will deter most would-be burglars.

In the event that none of these precautions work though, it is essential to, firstly, make sure you have home insurance, and secondly, that it covers all your most valuable possessions. Many insurers will request that any expensive purchase be told to them beforehand for example.

Research conducted by the Association of British Insurers, found that nearly a quarter of all British households don't have home insurance and are running the risk of being unable to reclaim money for their valuables.



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