Home Security

Home Security

Protecting you and your home

Good risk management brings peace of mind – and could reduce your insurance premium.
 
As well as providing extra cover with fewer small–print exclusions, specialist “high net worth” policies are often rated lower than standard home insurance because of the care owners take of their property. The more you can demonstrate your commitment to taking care of your assets through good security and risk management, the better proposition you are to an insurer.

Our expert advisers will help you protect your home without compromising its aesthetic value – and if you do need to make a claim, we’ll make sure it’s quick and easy. But some things of personal value simply can’t be replaced – we can also make sure you have the best chance of recovering stolen property.

Step up your security and save:

Investing in a combination of security and safety measures for your home is a sensible step both financially and emotionally. Our security advisers can help recommend the best solutions for you personally but as a starting point think about…

  • Locks – Don’t take it for granted that your locks are robust. Check that external doors have 5 lever mortice locks or the British Standard equivalent. Ground floor and any other accessible windows should also have key operated locks fitted.
  • Panic buttons – Consider placing these next to the front door and in the master bedroom for a discreet and easy way to instantly activate your alarm.
  • Advanced alarm monitoring – The most effective form of intruder alarm monitoring is BT Redcare. It monitors the telephone line 24/7 and can detect an attempt to compromise that connection. If you’re vulnerable to loss of telephone lines through bad weather or false alarms, the Redcare system can be supported by a dual technology system that combines telephone and radio signalling. Alarms can now be set automatically on leaving the house, avoiding issues with forgetting to set it.
  • Fire alarms – If your intruder alarm is linked to a central monitoring station, think about upgrading it to incorporate smoke detectors and trigger an alert to the local fire station too. The additional cost is minimal for the extra peace of mind. If you don't have a monitored fire alarm, use battery or electrically linked smoke detectors (also available wire–free). Consider fire blankets and extinguishers too.
  • Wiring – Faulty electrical wiring and appliances cause most fires in older properties. To reduce that risk in any building, all electrical installations should be checked by a qualified electrician every 5 years.

Unoccupied House Checklist

  • Only tell trusted people you are away
  • Join Neighbourhood Watch
  • Cancel milk and papers
  • Timer switches for lights
  • Use a house-sitter or ask a neighbour to call in regularly
  • Get mail cleared and grass cut
  • Keep valuable items in safe deposit
  • Tune a radio to a talk station – audible from outside
  • Put car keys in the safe or with a friend
  • Put a friend’s name on the baggage labels…but tell them!
  • Set a new alarm code for people looking after your property – don’t give them yours
  • Beware your lift to the airport – unscrupulous cab drivers are a source of intelligence for burglars!

More information:

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About La Playa Private Client

Specialist & Independent

Specialist & Independent

La Playa Private Client creates a safe space for you to live life to the full, enjoying your family, friends, and assets wherever you are in the world - without worry or hassle.

We can make sense of all your insurance needs - property, yachts and superyachts, high-performance and classic cars, private jets, art, wine and jewellery collections – and your liabilities too. We can pull multiple assets together on a single “portfolio” policy – or if you prefer, take care of each item separately. 

Amid the impersonal and automated world of large insurance corporations, La Playa provides a refreshingly boutique-style service, with individual advice, and cover based on in-depth understanding of your specific situation. After a detailed and confidential review of your needs and priorities, we’ll structure your insurance arrangements so you know you and your family are protected, come what may.  

In-house Wealth Management

We also offer Investments & Pensions and Financial Planning: a joined up approach with a team of advisers working for your best financial interests - all under one roof.

Advice you can trust

…from an expert who understands you

  • Specialist, global policies for affluent lifestyles
  • Independent, specialist advice
  • Boutique–style, luxury service
  • “Can do” culture
  • Worldwide capability: offices in London & New York
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Kellie Cawdron Cert CII

PRACTICE MANAGER, PRIVATE CLIENT

Direct Dial: +44 (0) 1223 200671

Mobile: +44 (0) 7789 756330

Email: kellie.cawdron@laplayainsurance.com

Twitter: @KellieCLaPlaya