If you’re heading off for summer vacation this month, you should make sure your home and its contents are protected. With residents away from their homes, burglars may be more inclined to target them.
One of the most frightening things that can happen to a person is to have his or her home broken into. A burglary is an unfortunate event that can ravish a family’s sense of security and can lead to great frustration as they fight to replace their possessions that were stolen or damaged. According to the Huffington Post, over 28,000 property crimes occur each day and more than 8,000 of them are burglaries. That means one burglary occurs every 10 seconds. In light of such staggering statistics, homeowners need to make sure that their possessions are protected.
While theft and burglary from the home is covered under most homeowners insurance policies, that doesn’t mean you shouldn’t be concerned about protecting yourself in the event of a burglary. The cost of home insurance premiums can depend on a number of different factors, and chief among them is the likelihood of a future home burglary. Many factors go into determining this risk, including the crime statistics in your neighborhood.
To keep your home protected, your best bet is to install a home security system that will alert an outside service. Increasing the security of your home will allow insurance companies to offer you the greatest savings. Even if you choose not to have a home security system installed that will deter burglars from targeting your home, you may still wish to have a neighbor or family member keep a close eye on your home while you’re away.
Another way to protect your home from burglary is to make sure you have enough coverage for your personal items in your home. A standard homeowner’s policy will cover most of the items in your home, but some of these items may have coverage limits. If you have valuable items such as jewelry, electronics, antiques, coins or artwork, you may want to add extra coverage to your policy in the form of endorsements.
If you’re planning to travel soon and want to secure the contents of your home, you should contact your agent to discuss what items are covered under your existing policy and even consider adding coverage.