Monthly Archives: December 2016

Ensuring the Home and Garden Are Protected

It’s probably fair to say that, for most people at least, home is where the heart is. And it’s through no coincidence that most people’s heart will be exactly where they invest so much of their time, money and energy.

Indeed, a house is a physical embodiment of all the blood, sweat and tears that has gone in to it over the years, and it’s not difficult to understand why people grow so attached to it. And this is also why so many people choose to protect their home against the unexpected, because, after all, ‘you just never know’.

Indeed, little persuasion is needed as to the wisdom of insuring against life’s little mishaps. Those who choose not to have home or contents insurance, risk losing everything they’ve worked for. And as for those who do choose to have home and contents insurance, well, they too still risk losing at least something if they’re not savvy when it comes to their home insurance policies.

It may surprise some to learn that all the contents within their property aren’t automatically covered by their contents insurance policy. Furthermore, it’s probably the most ‘at risk’ area of a property that is most likely to be overlooked. And that place, is in the garden.

Known as ‘contents in the open’, many policies don’t actually cover items outside the four walls of the house, and this is probably the most easily accessible place for any would-be thief. People are spending an increasingly large amount of money on their garden, due in part, perhaps, to the growing popularity of garden-makeover programmes on television. Subsequently, it’s estimated that up to £400million worth of thefts take place in gardens each year, with many people unable to claim against their home or contents insurance.

As with anything, it pays to read the small-print contained within any contents insurance or buildings insurance policy. And when establishing which parts, if any, of the garden are covered, ensure that protection is offered for walls, gates, shrubbery, patios or even the garden gnome. Furthermore, it’s worth ensuring that all the potential scenarios that are covered within the confines of the house, such as fire, water and even accidental damage, are also covered in the garden area. After all, if it can happen inside the house, it can happen outside the house too.

Home And Garden Lighting

Previously, outdoor or the gardens were lit to facilitate people to see clearly when entering your home and to avert thieves. Today, landscape lighting is more for aesthetic purposes. Landscape lighting has turned into a work of art. The aim of landscape lighting is to exhibit a garden and a home in its complete splendor after dark. The lighting has its practical aspect and offers a well-lit area to deter thieves. The following are tips for landscape or garden lighting.

It is best to hire the services of a certified lighting consultant who is will give the best advice. Also, study your garden thoroughly before deciding what you would like to highlight using lighting. Make sure that the lighting professional has a copy of your design.

Include outdoor lighting when planning the garden landscape to make it easier to lay wires and pipes. Try and get more than one quote, so that you can compare the prices. Install a big transformer to meet your present and future lighting needs.

If you are thinking about doing the lighting in parts, lay all the electrical groundwork in the initial stages. Try and use soft light that is akin to moonlight. Don’t overdo it. The landscape should be seen, not the lights. Hide the lighting system source behind shrubs and plants.

Make sure the fixtures are not visible. Use water resistant fixtures. Most people tend to favor white light for garden lighting. However, you could try different color variations with the help of a professional. Use fluorescent lights, as are they are less expensive and a lot more effective than incandescent lights.