Are you invalidating your home insurance?

Your home insurance is essential protection, but there are things that could stop a payout should you need to make a claim. Here's what to look out for

LOCK UP Make sure you lock all windows and doors. This sounds obvious, but it is easy to forget and gives easy access to burglars. Insurers may not pay out if there is no sign of forced entry.

RENTING OUT A ROOM? Check with your insurer if this invalidates your home insurance. Some insurers may not cover you if you have a lodger and you may even need to switch providers to get adequate cover.