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Chances are, you grew up pretending to be your favorite superheroes. Or, if you were the younger brother, you may have had to play as the super villains. Either way, you got to pretend you had a totally rockin’ lair. After all, next to a pony or a tree house, what could any kid want more than a totally cool lair? In our case, the tree house usually doubled as the lair, but that’s another story. Of course, as adults, most of us avoid actually building secret lairs because they tend to make the homeowners insurance premiums go up.

Still, if you could have a secret lair, which one would you want? We’

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We have already seen the first sub zero temperatures and frosts of the year in the UK, and there are reports that this winter will see a repeat of last year’s arctic conditions. Consequently, there will be an abundance of burst pipes in holiday homes.

First of all, if you discover a leak or burst pipe – don’t immediately call your insurer to see if it is covered – stop the leak first. You would be surprised how many people actually call their insurers before turning off the water supply

What would you do if you weren’t insured? As a policyholder you have a duty to take all reasonable steps to prevent loss. It is in

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