gain access to your home, normally through the loft space, then they can cause absolute mayhem. Broken ornaments, chewed valuables and furniture often result. The cover provided ( mortgage quotations ) by Saga is unusual in that all its household policies include cover for damage caused by these creatures. It's Cover Plus policy provides cover for damage caused by all pests, with the exception of damage done to pedal cycles!

It would be unwise to underestimate the damage which could occur should rats and mice gnaw through cables. Fires can be cause in this way and rats can even gnaw through ( life insurance ) pipes, causing flooding. There is a case of the whole upper floor of a house collapsing because of the wooden joists had been chewed through by rats.

Some sensible precautions should be taken to avoid problems. Outside the house, make sure that bags containing rubbish are put into lidded dustbins. Clear up around bird tables and feeders. Don't put cooked food onto compost heaps. Drains and covers should be checked for damage and general clutter should be tidied. Inside the house, vermin is attracted to pipe ( cheap loans ) work and this is how they move around. Seal up holes using steel wool or plaster. Check around the hot water tank, under the sink and in the loft. Avoid storing packing tissue, cardboard boxes and things like cuddly toys and unwanted clothes up there - they make a perfect ready made nest for vermin.

So there's a lot you can do to avoid problems. However, should they occur, you'll ( insurance ) need your insurance cover. An on line insurance broker will be able to sort out what's available and will find you with the best way to get some insurance against these pests.