Leaving Columbus for your annual summer vacation?
Make sure your home is fully protected from would-be thieves and vandals. Unfortunately, this is the time of year that criminals like to scout for easy-to-break-into houses.
The good news is that the physical and emotional damage caused by burglary or vandalism can be avoided. Just follow these steps to protect your home while you’re away.
Purchase a Home Monitoring System
There are many types of home monitoring systems available that can help you and your family stay safe from harm — whether you’re inside your home or away when someone tries to break in. These include high-pitched alarms that scare burglars off, blinding floodlights that make it hard to see, video cameras that catch criminals in the act, and shocking sensor lights that show off night burglars to your whole street and all passersby.
One other type of home monitoring system that can be especially useful is one that is linked to your doorbell or triggered by someone being on your front doorstep. Studies show that burglars, vandals, and other criminals almost always ring the doorbell or knock on the door before they enter a home illegally.
When you have one of these systems, and someone knocks or rings the doorbell, you’ll get a notification on your phone right away. At that point, you will actually be able to speak to the individual, asking them what they want — even if you’re not home.
Don’t Make It Obvious You’re Not Home
Burglars love targeting homes where no one is going to be for a long period of time. Not only will they be able to plan their burglary and (ideally, for them) get in and out without being noticed, but their handiwork won’t be noticed for a while.
To combat this, it’s important to make sure that your home doesn’t look empty. You can do this by setting lights on timers, stopping your mail and newspaper deliveries, so they don’t pile up, and having a friend periodically check in on your house to perform regular maintenance (such as mowing your lawn, trimming hedges, picking up random bits of trash, etc.). A well-maintained home is less likely to be one that is empty, and would-be burglars and vandals know this.
Create a Home Inventory
Don’t forget that you should know exactly what’s in your home at any given time as well. This goes for when you leave on vacation and other times as well. To get a good idea of your entire home’s contents, we recommend creating a home inventory at least once every year or few years.
This should only take about an hour or two and can be done by going through your house and taking photographs or video. Try to record the most valuable things you own first, but remember to record everything (you never know what burglars may be looking for).
If you do incur a loss from vandalism or a burglary down the line, your insurance company will appreciate this home inventory, and you will too. After all, that’s what your home insurance is for — to be there when you suffer a property loss or property damage.
Keep in mind you’ll have to pay a deductible to settle an amount usually ranging from $1000-$5000 when you get your claim. This amount will be removed from your total claim. But the rest of your claim amount will be given to you to either replace any like/kind items that were lost or to provide any lost items’ actual cash value. Generally speaking, most homeowners go with replacement cost coverage.
Prevent the Emotional and Physical Costs of a Break-In
Anton Insurance wants to help you prevent a break-in in your home this summer. Talk to us about additional steps you can take to protect your home or if you’re looking for new homeowners insurance policy to meet your changing needs.