Make Sure you Have Proper Coverage; Take Steps to Protect your Home
INSURANCE INFORMATION INSTITUTE
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NEW YORK, July 19, 2007 - As you get ready for your summer vacation, burglars may be hard at work planning to take advantage of your unoccupied house; fortunately, there are simple precautions you can take to safeguard your home.
There are more than 2.15 million burglaries each year, over 65 percent of which are residential break-ins, with the majority occurring in the peak vacation months of July and August, according to the Insurance Information Institute (I.I.I.).
"Once in your home, a burglar can easily steal computer equipment, televisions, CD and DVD players, as well as jewelry and other valuable items," said Jeanne M. Salvatore, senior vice president and consumer spokesperson, I.I.I. "In fact, the average dollar loss per burglary is over $1,700."
However, criminals tend to be opportunists, noted Ms. Salvatore. If you make your home more difficult to break into, the crook will likely target another home. Research shows that if it takes more than four or five minutes to break into a home, the burglar will go elsewhere.
Standard homeowner's insurance policies provide coverage for theft of personal possessions and damage to the home caused by a break-in. If you own valuable jewelry, or other luxury goods, be sure to ask your insurance agent or company representative whether you should consider purchasing a floater to ensure adequate coverage for these items.
In addition to having the right insurance coverage, the I.I.I. offers these preventive measures to keep your home safe:
- Make it time-consuming to break into your home. Dead-bolt window and door locks can slow a burglar down. You may also obtain a discount of 2 to 5 percent on your insurance policy for installing these devices.
- Make it noisy to break into your home. Invest in a burglar alarm. The most effective systems ring at an outside service, which alerts the police, fire and other emergency services. A sophisticated alarm system could result in insurance discounts of 15 to 20 percent.
- Make sure you have strong doors. Outside doors and frames should be made of metal or solid hardwood and be at least 1¾-inches thick. Each door must fit its frame securely. Even the best lock will not deter a burglar if it is installed in a weak door. Garage doors also need strong locks. If you have a tool shed, keep it locked since burglars can use the tools to break into your home.
- Turn off your computer and disconnect it from the Internet. If you save personal information in your computer, make sure it is difficult to access. You don't want a hacker at work while you are on vacation.
- Keep valuables under lock and key and well hidden. Do not leave personal documents in your home office or desk-burglars know to look for them there. Put critical documents in a lock box or safe somewhere else in the house. Keep copies of important documents at another location-a relative's home, for example. Expensive jewelry should also be hidden somewhere other than the bedroom or left in a safety deposit box at the bank.
As you prepare to leave on vacation follow these additional steps:
- Keep your home well lit. Mount exterior lights out of reach of would-be burglars in your yard or on your house. Put indoor lights on a timer so that they go on and off at appropriate times, making it look as if the house is inhabited.
- Make the house look inhabited. Leave blinds or curtains open in their usual position. Put indoor lights on a timer so that they go on and off at appropriate times. If you are going to be away for an extended period, arrange to have your lawn mowed in the summer, and your driveway shoveled in the winter.
- Arrange to have mail picked up or held by the post office. Stop newspaper deliveries and ask a neighbor to pick-up "throw-away" circulars.
- Ask a neighbor for help. Ask a neighbor you trust to keep an eye on your home while you are gone. You may also want to tell your local police you will be away.
- Only tell people you know and trust that you are going away. Be careful not to discuss your vacation plans at the supermarket or hairdresser or other public places where you don't know who may be listening.
For more information on homeowners insurance, go to the I.I.I. Web site at http://www.iii.org .
The I.I.I. is a nonprofit, communications organization supported by the insurance industry.