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The holiday season is upon us. So too is your chance to take a well-deserved break. However, you won't be able to enjoy your holiday if you have a nagging feeling that your home is at risk of a break-in.

The first step is to make sure you have a Home Contents and Buildings Insurance Policy. However, even if you have insurance and are secure in the knowledge that you would be covered if such events occurred, you definitely want to avoid the distress of a break-in and the headache of replacing all your valuable possessions.

To ensure you find your home in exactly the same state you left it in, the following security measures need to be implemented:
  • First check that you are properly covered on your insurance policy for all of your household items.
  • The amount for which you have insured the contents of your home should be equivalent to the amount it would cost to replace all the items with new items, at today’ prices.
  • Lock sentimental and irreplaceable items away in a safe.
  • Make sure you have an up-to-date inventory list of all your household possessions.
  • Having burglar bars fixed to all opening windows and security gates fitted to all external doors is essential. Most insurance companies will recommend that you have an alarm system installed that is linked to a reliable armed response company.
  • Even with both of these measures in place, the lack of a human presence in your home is always obvious from outside. The best way to ensure peace of mind is to employ a house sitter.
  • Cancel your newspaper delivery or have someone collect it daily and also empty out your post box
  • If nobody will be house sitting, it’s worth your while to put your lights on a timer, and in several rooms.
  • It is wise to switch off the taps in the kitchen that feed your washing machine and dishwasher, and switch off your geyser at the mains board. Imagine coming back after a peaceful week away to the aftermath of flooding.

Over the holidays, it is important to take precautionary measures. For a Home Contents and Buildings quote from Virgin Money - Insurance like it should be contact 0860 10 49 15 or visit

Virgin Money South Africa (Pty), an authorised financial services provider (FSP: 31730). Policy underwritten, provided and administered by Dial Direct Insurance Ltd, an authorised financial services provider (FSP: 15259)