Last-minute warning before heading off on holiday this year

The festive season has arrived, and many South Africans are gearing up to skip town for a well-deserved break.

However, insurance experts warn that homeowners need to ensure that they’re fully prepped before heading off – which includes safeguarding their homes, and keeping necessary parties informed.

This includes going through a list of last-minute checks and considerations to ensure that they are leaving their homes in safe hands and that they’ve taken all the necessary precautions to safeguard themselves against burglaries and damages.

Failure to do so might end up with a nasty surprise when it comes to claiming from insurance if anything does go wrong.

Marius Kemp, Head of Personal Underwriting at South Africa’s largest short-term insurer, Santam highlighted key points every homeowner should consider before locking up and heading out:

Make sure the house-sitter is briefed

For anyone who plans to have someone watch over their home, it is essential their house-sitter understands their responsibilities fully.

“If you’re using a sitter, always check their references and clarify their responsibilities upfront.

“They need to be aware of any liability they may have, such as failing to activate the alarm or lock up properly,” Kemp said.

Valuables, including personal documents, should be locked away securely.

Homeowners should remind sitters to activate the alarm and secure all entrances when leaving the property, as failure to do so could result in claims being rejected.

If you are renting out your home

For those planning to rent out their homes during the holidays, notify your insurer and check the policy conditions regarding renting out your property.

The policy excludes cover for malicious damage or theft when your private residence is rented out, and the tenant or anyone linked or connected to the tenant is responsible for any damages or loss caused to your property.

When locking up and leaving

Statistics from the South African Police Service have revealed an upward trend in household burglaries.

According to the SAPS data, burglaries at residential premises increased by 6.8% when compared to the second quarter of 2023.

If there is no-one house-sitting your home this festive season and you plan to lock it up and go, Kemp said it is critical to inform relevant parties.

“Let your security company know and provide them with a contact number of a friend or family member in case your alarm goes off.

“Also, arrange for a reliable neighbour, friend or family member to regularly pop around to your house to make sure all is in order.”

The final checks before you leave

Before heading off, conduct a final sweep of your home to ensure everything is in order.

Double-check that all windows, doors, and security gates are securely locked, and that your alarm system is functional.

“It may be tempting to post on social media about your holiday plans but be mindful of what you share.

Avoid advertising your absence online, as this could make your home a target for burglars,” warned Kemp.

Homeowners are also advised to switch off geysers and unplug non-essential electrical appliances to protect against power surges.

It is also worth checking if your insurer offers 27/7 emergency assistance for plumbing, electrical and locksmith requirements as well as repair work to essential appliances.

Protect your best friends

Kemp urged everyone to make suitable arrangements for their pets.

“It’s been a long year, and you may be eager to get away, but please don’t forget out your furry friends.

“If they can’t travel with you, be sure to arrange with a pet-sitter or kennel.”

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