Karen Rimmer, Head of Distribution at PSG Insure

The changing temperatures and blooming flowers signal a fresh start, not only for nature but also for our homes and routines. While we eagerly embark on our spring-cleaning rituals to declutter and rejuvenate our living spaces, there's one crucial aspect that often goes overlooked - our insurance policies.

Just as we clear out the cobwebs in our homes, it's equally important to polish our insurance policies and give them a thorough review. Our belongings evolve over time, and it's essential to ensure that your insurance cover keeps pace with these changes. Taking a closer look at your policy, at least annually, can help you avoid being underinsured or over-insured, striking the right balance to protect your assets effectively.

Here are three practical tips to help you embrace the spirit of spring and safeguard your home and belongings:

1 - Refresh your space and put everything in place

As you embark on your spring-cleaning journey, pay attention to not only what you're discarding but also what you're acquiring. Safely dispose of old items and their packaging to avoid potential risks. This may include throwing away the box of a new item you just purchased, which could indicate to would-be thieves that you have purchased a new television, for example.

Take stock of the items you've acquired or let go of in the past year to accurately assess your insurance needs. By keeping your inventory up to date, you can ensure that your policy aligns with your current possessions.

2 – Spruce, reduce and update

While sprucing up the interior of your home, be proactive in addressing any repairs or maintenance tasks promptly. From fixing leaks to storing hazardous items safely, taking preventive measures can mitigate risks and enhance the safety of your living space. When tending to the exterior of your home, prioritise tasks like trimming trees and maintaining your garden, preparing for the upcoming warmer months. For any significant changes or upgrades to your property, such as new security features or equipment, promptly inform your adviser to ensure these are reflected in your policy.

3 - Be water-wise

It’s crucial to be water-wise and to conserve this precious resource as much as possible. Take steps to tighten outdoor taps, cover your pool when not in use, and regularly inspect your garden sprinklers for leaks to minimise water wastage. By adopting proactive measures and staying vigilant about maintenance, you can ensure that your property is well-maintained during the warmer months.

Safeguard for every season

Consulting with your insurance adviser can provide valuable insights and guidance on optimising your cover to meet your evolving needs.

By taking proactive steps and staying informed, you can enjoy the seasons ahead with peace of mind and ensure that you're well-prepared for whatever the changing seasons may bring.