Criminal damage is a distressing event, and understanding your insurance coverage in Upton, Dorset, is crucial for financial protection. The short answer is that standard home and business insurance policies typically include cover for criminal damage, but the specifics of that coverage, and the amount you're covered for, will vary depending on your policy.
Upton, a BUA (Built-Up Area) in Dorset, has a population of 8691. The reported crime rate for Upton is 40.6 incidents per 1,000 residents. This is considerably lower than the UK average of 91.6 incidents per 1,000. This relatively low crime rate contributes to Upton’s impressive safety score of 90 out of 100, significantly higher than the UK average of 79. Despite this positive safety score, criminal damage remains a possibility, and appropriate insurance is essential.
When reviewing your insurance policy, look for sections specifically addressing 'criminal damage' or 'vandalism'. This typically covers damage caused by deliberate acts such as graffiti, broken windows, and damaged vehicles. Most policies will have a listed excess – the amount you pay towards a claim before the insurance company covers the rest. It's important to be aware of this excess and factor it into your budget.
For business owners, ensure your commercial property insurance includes criminal damage cover. This extends to damage to buildings, stock, and potentially loss of business income due to disruption caused by the damage.
It's also worth noting that the policy wording will detail what isn't covered. For example, damage caused by wear and tear or natural disasters is usually excluded. Furthermore, policies often have limits on the value of specific items that can be claimed for. Always read the policy document carefully and seek clarification from your insurer if anything is unclear. Consider also reviewing your security measures – better lighting, alarms, and CCTV can deter criminals and may also positively impact your insurance premiums.