Sales of home safes in the last year rose by 50%. Homeowners worried about the lack of security of savings in the bank, prefer to keep their money at home. Most of them buy gold, causing prices soar to record levels. Selling point: more and more people are turning to the safes, for fear of lack of security banks. Even if you do not have a lot of notes or gold bullion is probably in your home, there are important documents such as your will, share certificates and jewelry. So you are left with little choice: either purchase a personal safe deposit box, or rent in the bank. Home safes are becoming more popular: Last year, at a time when the financial crisis was in full swing, their sales literally took off, and today home safes are still in demand. According to Anthony Neary, a representative online store safes, home safes sales increased by 50 percent compared to last year. Company spokesman Banhams, which sells security systems for more than 80 years, added: “We have definitely noticed an increase in sales of home safes in the past year, and this is true for the entire industry. People keep money at home and buying more jewelry and gold. Of course, they want to protect their values. ‘” Although insurance companies do not always give a discount if you have a safe, they may require you to buy it if you keep valuables at home. And they can insist that the safe was secured to the wall or to the floor. A representative of the insurance company More Than says that the standard policy covers the contents of the amount of 75 000 £, but if you think that your valuables are worth more to you to send an expert to inspect your home, and it may recommend that you purchase a safe. Anthony Neary says that the typical home safe about the size of 30×30 cm is worth about $ 200, and can easily be bolted to the floor by anyone who knows how to use a drill. “This kind of safes will help stop unscrupulous thief, though, if he had not bolted, attackers can carry it with you” – he explains. We see that more and more homeowners become fireproof safes that will protect the documents in the event of a fire. They also acquire shielded safes that can protect information stored on laptops, such as, for example, expensive downloaded music tracks. Insurers usually allow you to store the value in the amount of ten times the coverage safe. So, if the valuables are 20,000 £, you need a safe with insurance coverage in 2000 £. Known large banks offer rental services of safe deposit boxes, but they usually do not advertise this service, and it is not available in all locations. Barclays offers to use bank deposit boxes in 500 branches, the cost of using a standard unit of 10 £; quarter and 5 £; must pay each time you want to view its contents. Lloyds says its oldest branch still offer rental services of safe deposit boxes, and it costs 25 £, including VAT, once every six months – for possession of small packages or boxes, and 55 £; every six months – for the storage of larger. HSBC estimates its services in 29,37 £ per year, including VAT, for storage of small boxes, raising the price to 53,84 £ storage of large blocks. Fixed payment for access to the cell is 9,78 £, including VAT. However, the contents of your safe-deposit box is not insured by the bank, so you should make sure that it is covered by your home contents insurance. As required by Esure, you need to specify in the policy, which subjects are in the deposit box, as well as the name and address of the bank where the values. The representative of Esure says: “Objects that are stored in the safe deposit box will not be protected if you take them out of the bank. So, if you decide to wear jewelry for the wedding or take them home, you need to call us in advance and report on their plans, as it will lead to higher insurance risks on the item and potentially affect the amount of payments.
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