Home security at Christmas | Saga Home Insurance

Protect your home with these tips for home security at Christmas.

Christmas is fast approaching, and for many of us that means shopping for presents for our nearest and dearest (with the occasional secret Santa thrown in for good measure).

In the weeks leading up to Christmas Day, our homes slowly fill up with the latest gadgets, toys and must-haves.

These valuables wrapped up under the tree, coupled with the dark weather for disguise, make your home particularly attractive to burglars.

That’s why increased home security at Christmas is vital.

Does my home insurance cover Christmas presents?

Yes, if you have contents insurance then this will usually cover Christmas presents you buy in the build up to the big day.

That said, it depends on the level of cover you have. With the average spend on Christmas presents at £642 in 2022, the extra items in your home could push the value of your belongings over your cover limit, so it’s worth making sure you have enough cover.

Some insurers, including Saga, will automatically increase your cover limit for the month of December to ensure the extra items in your home are protected. If you’re a Saga home insurance customer, we’ll automatically increase your contents insurance cover by 10% on Saga Select and 20% on Saga Plus during December to cover those precious gifts.

Saga has a single item limit for valuable personal possessions such as jewellery or watches. If you’re gifting or receiving a particularly valuable gift, you might need to speak to your insurer and add these items individually to your policy.

What about increased cover during other religious holidays?

With Saga home insurance, your contents cover is automatically increased by 10% on Saga Select and 20% on Saga Plus during the month of other religious festivals too.

Top tips for keeping your home secure at Christmas

1. Secure windows and doors

Make sure all doors and windows are closed and locked when you’re out or in bed. Take keys out of locked doors and windows and hide them so that burglars don’t stand any chance of reaching them.

2. Install motion sensor lights

For and extra level of home security at Christmas install motion sensor lights to deter thieves. You may also consider installing a security camera.

3. Keep curtains closed at night

Shutting curtains and blinds at night will keep those all-too-attractive presents out of sight. And it’s not just the presents you should take care to hide – make sure your calendar isn’t visible through a window either, as if thieves know your holiday dates, you become an easy target.

4. Use a light timer

When you’re out at night, make it seem like you’re at home with a light timer that switches lights on and off. Choose one with a random setting for the most convincing light display.

5. Plan ahead if you’re away over Christmas

If you’re heading on holiday or visiting family over the festive period, it’s important to keep your absence a secret. Cancel any newspaper or milk subscriptions that could give the game away, make use of light timers and even ask a neighbour to park on your driveway to make it seem like someone’s home.

6. Take care with social media

When you’re away on holiday, it’s natural to want to post pictures on your social media. But this lets people know you’re not home, so try to avoid posting anything until you’re back.

7. Hide presents in your home, not elsewhere

It might be tempting to hide presents from curious kids (and big kids!) out in the shed or in your car but bear in mind that many insurers will set lower limits for items stored in outbuildings and vehicles. Safely stash away presents inside your home to ensure they’re covered by your insurance.

For peace of mind and home security at Christmas, make sure your home insurance provides the cover you need. Get a home insurance quote today.

Who are Saga's home insurance policies underwritten by?

Saga Home Insurance policies, exclusively for people over 50, are unique products designed specifically for our customers. They are underwritten by a number of carefully selected insurers that provide our high standards of quality and service.