Having home insurance will protect you from financial loss when your house is damaged because of storm, theft, fire or from any other event. You should clearly know what are your policy limits and what is there in your policy. Make sure you understand your policies and coverages clearly.
You can take some precautionary measures to protect yourself and your family from burglaries :
- You should always know your neighbors well.
- Trim all the shrubs and tress which covers your home windows and doors.
- Always lock your doors when you are inside the home. Always use secure and dead bolt locks for all the entries in your home.
- It is safer when there is a peephole in front door so that you can know who is knocking the door.
- Do not hide the house keys outside the house such as in pots or windows.
- It is good if you use timers for the lights to turn on and off. When you are not in station, stop the mail delivery and newspaper till you return from your vacation.
Beware of Backyard Dangers
- Trampolines, swimming pools and decks may add to the enjoyment of your home. They can also add to your home insurance bill.
- If you have a trampoline in your backyard, be sure to read your policy carefully and talk to your agent. Some home insurance companies will not accept risks with a trampoline on the premises or will have exclusions for any liability related to trampoline injuries.
- Swimming pools are another consideration. Your pool needs to be secured according to your home insurance carrier guidelines. Many require a fence of a specific height with a gate that can be locked. You will want to be sure you are in compliance with local building codes.