Burglaries and Home Insurance
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Posted On :
Jun-18-2009
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Article Word Count :
578
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It is very difficult to make your house totally burglar proof, but there are many things you can do to reduce the likelihood that you will be targeted.
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It is very difficult to make your house totally burglar proof, but there are many things you can do to reduce the likelihood that you will be targeted. Suitable home insurance, including both buildings and contents insurance, will offer you protection against financial losses associated with replacing or repairing anything that is stolen or damaged. However, the feeling that your home has been violated and the loss of things with sentimental value can be extremely upsetting. The best way to make sure your house is not a target for thieves is to ensure that your home is not an easy mark for the opportunist criminal.
To make your house as secure as possible, be sure to lock your doors and windows and use your burglar alarm if you have one. Even if you are at home, thieves have been known to let themselves in to unlocked houses and snatch car keys or a handbag without the owners even being aware they had been there, so dont leave valuables by the door where they can be stolen.
You should also keep in mind that if your bag is stolen with your house keys in it, and if there are also documents or letters with your personal details on them, then the thief may have access to your house and you could also be in danger of identity fraud. If possible, avoid carrying your address with your keys, and if your keys are stolen, be sure to get your locks changed as soon as you can.
It is also sensible to change the locks when you first move into a new house because the previous occupiers could have kept copies. Think carefully about who you trust with your keys, the workman or neighbour that you leave them with could easily take copies.
Make sure that you do not leave items lying around outside that a burglar could use as a house breaking tool. Bricks, ladders, spades and even wheelie bins can all be used to break or access windows that you may not think are easy to reach. If trees or shrubs make your house difficult to see from the road, think about whether it is worth sacrificing a little privacy to ensure that your home is not attractive to burglars who will think they can break in without being spotted.
If you do not use your existing security measures like burglar alarms and window locks, your insurers may say that you have failed to meet the terms and conditions of your policy and refuse to pay your claims if you are burgled. If the worst does happen, ccontact the police immediately and your insurers as soon as possible.
Your insurance company will need details of anything that has been stolen, so it is helpful to make an inventory of your belongings, perhaps annually, and to keep receipts for any major purchases. Photographs can be a useful way of making a record of the number and condition of items such as clothes and jewellery.
Your insurers have experience of dealing with burglaries and will often be able to offer useful advice on how to make your home as safe as possible. This might even lower your premium. While it is essential to have home insurance in case you are ever the victim of a burglar,the best possible course of action is to prevent them from targetting your home in the first place.
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Article Source :
http://www.articleseen.com/Article_Burglaries and Home Insurance _1174.aspx
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Author Resource :
With Kwik Fit Insurance home insurance , your home and your treasured possessions will be well-protected from the unexpected.
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Keywords :
home insurance,
Category :
Home and Family
:
Home Security
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