Recent reports indicate that burglary rates are dropping fast, but it’s still important to ensure that your most valuable assets are well protected.

Fire, flooding, theft and even accidental damage can strip your expensive furnishings of their value at a moment’s notice, but there are several steps that you can take to mitigate any unnecessary risk, and protect your assets from harm.

Home security system

Home Security

To start with, you should ensure that your home is as secure as possible. Government guidelines stress the importance of installing proper locks, and fitting highly-visible burglar alarms to the exterior of your house. These measures won’t deter every threat, but they will go a long way towards discouraging the majority of would-be burglars. In fact, a recent survey conducted by the metropolitan police found that installing a proper mortise lock could halve the chance of your house being broken into by thieves.

Home Fire Alarm

Fire Alarms

Once you’ve taken every effort to secure your property from home invasion, you should consider installing fire alarms in every corridor and stairwell. Fire alarms will help you to protect your assets from an accidental blaze, and provide you with plenty of advanced warning should the worst happen. Fire alarms can be relatively inexpensive, and you can often get them fitted for free by contacting your local fire brigade.

Home gutter

Check for Leaks

You can also protect your assets by regularly checking your roof and guttering for any leaks, and inspecting pipework throughout your house. It’s not uncommon for pipes to burst in winter, and the resultant wash of filthy water can destroy carpets, rugs and even furniture if left unchecked. According to most property management specialists, a cursory inspection should be enough to determine whether or not there are any ‘problem-spots’ that might later cause a flood, or allow rain water to leak into your home.

Ultimately though, there’s no sure-fire way to guarantee the safety of your assets. Taking these steps will help you to minimize risk, but anyone looking to properly protect any investments would do well to consider a specialist insurance policy. Insurers might not be able to prevent your assets being damaged in the first place, but they will ensure that you can replace them, and help you to recoup your losses after a disaster. Most comprehensive insurance policies will cover accidental damage to your carpets, furnishings and clothes, but any particularly expensive antiques should probably be covered separately. You should also cover any expensive paintings with fine art insurance, and make sure that your electronics and consumables are listed on your main policy.