House insurance in for summer

Summer holidays can prove to be testing times for parents, particularly as far as the condition of the family home is concerned.

Bored children can often lead to various mishaps resulting in the once humble abode looking more like a pigsty. It is important therefore to consider the various benefits of home insurance.

The cost of children's misdemeanours can differ. A fifth of all parents say their bill has hit the £100 mark, while 17 per cent say they've had to spend up to £200. Fourteen per cent cite this figure as £500, while seven per cent claim the cost of extra curricular activity has cost them £1000.

Phil Loney, managing director at Lloyds TSB Insurance, commented: Having the kids at home for the summer holidays can test even the most patient parents. Our research shows that once children turn the house into their playground, they really are bulls in a china shop and the scene is set for all manner of accidents.

The real lesson here is not to leave children unsupervised for a long time, and to keep dangerous items out of reach. However, it is also important to get insured.

Home insurance might not be a legal requirement but it really can come to the rescue where children cause havoc in the home. While it might not prevent a broken window or a soiled carpet, it can easily save pounds in the pocket.