Many home insurance firms offer an automatic increase during the Christmas period to cover the addition of extra presents and valuables over the holidays.
However, people still need to check their policy in case it does not do this and they end up having to make a claim, brokers TH March has said.
Neil McFarlane, insurance expert at TH March said: "Policies will have inner limits built in regarding valuables and the definition of valuables will change with some companies applying it to jewellery and some to plasma TVs so it is best to double check."
He urged that is better to take the time to double-check a policy rather than run the risk of loosing out "in case the unfortunate does happen".
Norwich Union recently revealed that New Year's Eve is the worst time for festive burglaries as homes are 25 per cent more likely to be broken into than they are on an average day.
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