How to make a home insurance claim less likely

Security

Fit strong locks on doors and windows.

Water

Insulate pipes and tanks to stop them being damaged by freezing in cold weather. Make sure your main water stop valve works easily, in case you need to turn it off to stop a leak.

Flood

If you live in an area where flooding is a danger, follow the Environment Agency's advice and sign up to the Environment Agency's flood warning scheme by calling 0845 988 1188.

Fire

Install and regularly test smoke alarms.

Trees

On some types of soils, particularly clays, shrinkage of the soil due to drought can cause damage to property - your own or a neighbour's. This can be significantly influenced by trees, especially if planted too close to buildings, so take professional advice before planting or felling trees.