Homeowner’s Insurance Covers Theft

Homeowners Insurance covers theft, but wouldn’t it be better to just avoid that all together? During the upcoming holidays many go on vacation, leaving their homes vulnerable to theft. The reality is that lots of people leave their homes vulnerable even when they are not on vacation. According to the FBI, a burglary occurs every 14.4 seconds in the United States. Here are five tips to dissuade burglars from choosing your home.

1. Get to know your neighbors. If your neighbors are trustworthy, they will look out for you when you are away. They will know who should be at your home and who should not.

2. Make your home look occupied. Whether you are away for work or away on vacation, make your home look like there could be someone home. Light timers and even TV timers that turn things on and off are pretty effective. Most bulglars don’t want any confrontation, they just want your stuff. If it looks like there could be someone home, they’ll choose another house.

3. Secure your home. Deadbolts and window locks are necessary. You might want to also consider an alarm or even a dog. Again, if there is a less secure home a burglar will probably choose that one over a more secure home.

4. Hide your goodies. If you have an expensive grill, secure it when you are away. If you have a fancy television, don’t make it visible to the outside world. You don’t want to attract attention.

5. Don’t announce to the world you will be gone. Social media is great for keeping in touch, but it also good for robbers to find out who will be on vacation. If you want only your friends to know about your vacation you can send them an email, call them directly, or tell them in person. Things posted online tend to become public knowledge. You can brag about your vacation when you return.

These five tips will help protect your home from burglary. Is it foolproof? Of coarse not. If someone wants to break into your home while you are not there, they most likely will be able to do so. But these tips will make it harder for them to know that you are away and more difficult to stay too long if they do decide to break in.

You’ll also want to make sure you have homeowner’s insurance if you own a home, or renter’s insurance if you rent. Theft is more common than people realize and having insurance to cover you makes a bad situation a little more bearable. Contact your local independent agent to receive a free quote on your homeowner’s insurance or your renter’s insurance today!

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