Shielding Your Home Against A Break-In

Preventing TheftIn anticipation of brighter days ahead, you can expect a residential break-in. Thieves will love the home which are unprotected and easy to break. Every year, like other states, even Ohio will experience an increase in residential breaks. At the rate of 9 to 14% home burglaries do occur around nationwide, only a percentage of burglaries in small numbers happen with someone actually at home. You are whether on a holiday, at home or out for work, protecting your prized possession and its belongings from thieves is necessary.

Tips to Avoid Break-In

Strengthening Doors: Use metal core solid doors and lock the doors properly. Use dead bolt locks or double lock system to ensure safety. On moving in to a new house or an apartment, change the lock system. Upgrading on door locks often is best way to avoid break-ins through doors.

Closing Windows: Do not keep your windows open all the time, specially when you are away from your home. Ensure that the window opening is not very large to allow some burglar to reach through and remove locked window or successfully open the door. For ventilation, 4 to 6 inch of window opening will do good.

Securing Valuables: Do not exhibit your valuables. Be careful of who is knowledgeable of your valuables. Even though someone is completely trust worthy and reliable telling them about your valuables, you increase your risk of a home invasion. If you feel suspicious about any person or event occurring around your house, call for police and keep them informed.

Owning Pets: Having a dog, guards your home whether you are in or away from your house. Not all but some thieves consider to deal with pets, there are less chances of thieves wanting to distract them. You can train your dog on how to react to strangers or alert your neighbors when at risk.

Installing Alarms: Burglar alarms, preferably with a cellular back up prevents disconnecting phone wires leading to your home. Be sure to turn the alarms on before leaving the house, when alone at home or while sleeping. Let the alarm be audible and reset with few minutes, so that neighbors are not disturbed. You can leave a key of your house to reach out to alarm systems with trusted neighbor.

Lights: Even when gone away, keep some interior lights on action with timers set to show some activity at home. Exterior lights is a must. You can add privacy curtains, these curtain will allow the light in but will distort the image of the room.

Exotic Holidays – Keep It Safe

Secure Your Exotic TripsHolidays are always fun and are in full swing as you get time to spend with your family and friends. Be it Christmas or new year, easter or thanksgiving, you plan ahead to travel and visit places. When you are away from your home, you want be free of worries and tensions. With many incidents of burglary happening around the city, you want to feel secured. If you are leaving your car behind, you want to protect it from theft or any damage to it. Being the insurance people, we are, here are few tips for a peaceful and happy travel.

Tips – Consider Them

Hide it from the world – When ever you plan for vacations, do not spread the word. Once you are back from the trip you can post pictures and let people know about your holidays. Keep very few close friends or neighbors informed.

Do not abandon the house – Make people feel that you have not left the home alone. You can do it in several ways. Keep the front and back porch lights on, so that at night the lights are glowing. Ask your neighbor or friend to collect all your mails from mailbox and not to stack them when you are gone. You can even ask the post office to hold the drop of mail until you come back and collect them. If it is snowing, you can ask any of your friend to pull in and out of your driveway at some point. Before leaving home, check for dead bolt locks and switch on the burglar alarms for a safe journey.

Driving in extreme weather conditions – Do carry windshield washer fluid, ice scrappers, extra blankets, a small shovel, food packets. You never know when you may need them. Keep your phone battery fully charged and enough cash in case of emergencies.

Keep house warm – Turn on room heaters, keep the heat in your home at minimum level so that pipes wont freeze when snowing. Turn off the main water valve to drain out pipes. Ask your neighbor to have a check on your home. You can also ask the local police to keep an eye on your home as they patrol.

Discounts on Your Policy – Grab Them

Discounts - Grab Them!Paying too much for Ohio insurance is of past, availing discounts and hence reducing your premium rates is present. There are various discounts offered by every insurance company in order to attract customers. Discount is an amount that is deducted from the usual price. To promote their products insurance companies have come up with wide variety of policies for both auto and home. Any policy you choose depending on your requirements and needs will have discount in them. You will have to make a smart decision to save your money.

Auto Insurance Discounts

Safety Devices – Installing safety devices such as passive restraints, seat belts, air bags, anti-lock brake etc, not only protects you but will also avail huge discounts. More the safety measures taken, lesser will be the damages which reduces your premium rates.

Defensive Driving Course – It is applicable for certain age group people which varies from company to company. On completion of this course, you are eligible for discounts.

Good Student Discount – If your teen obtains ‘B’ grade, or studies under scholarship, obtains grade point of 3 or higher at school and performs well, he is considered for a discount. It implies for persons below 25 age generally, however may differ based on the companies.

Good Driver Discount – If there are no traffic violations or tickets, you are labeled as a good and responsible driver. Maintaining good credit score, abiding to traffic rules, giving way to any pedestrians and bicyclers, all accounts for a good driver.

Multiple Lines – Insuring multiple cars from one insurance company, being with the company for long time and obtaining insurance for home, car and health under one roof will avail discounts on your policy.

Home Insurance Discounts

Protective Devices – Installing devices such as burglar alarms, dead bolt locks, smoke or fire alarms, sprinklers etc will curb crime such as theft and also shields you from accidental disasters.

New Home/ Renovated Home – Buying a home which is made of certain kind of roofing materials used in construction which can withstand high storms and lightning adds on to discounts. Renovating house as per Ohio state’s building code, updating roofing, plumbing etc, reduces your premium rates.

Credit Score – Maintaining good credit history and not making any false claims avails discounts.

Stay on good terms with your insurance company. Stay connected to your insurance through your agents. Keep an eye on the market for your money to be valued.

What should I look for when I am in the market for Texas homeowners insurance?

Points to Remember

Look to see who is everyone else using.
A savvy shopper can get confused with all of the choices as they compare Texas insurance rates when they are looking at buying a home. In order to sift through all of the companies trying buy your attention, find out from your friends, and family members who are the most the most popular Texas insurance providers. From their referrals, find an independent Texas insurance agent who contracts with more than one company. You will be able to find one from this list to help you through the insurance maze.

Look to see what has to be covered.
All providers must meet each Texas liability requirement to sell homeowners insurance to consumers. Your finance company will require additional coverage to protect their investment.Your independent Texas insurance agent will know how to read through the jargon that can be difficult to understand while helping you shop Texas insurance rates from more than one provider.

Look to see what will save you money while giving you a peace of mind.
Do not buy the first homeowners policy you see! Do a Texas insurance comparison. You will find ways to put money back in your pocket. For example, Texas insurance companies will give you a break if you add a little security, and safety features to your home. Install burglar alarms, deadbolt locks, and smoke detectors. Save a few cents while adding a little peace of mind. Avoid buying in high crime areas, or in subdivisions built in flood zones. Your geographical location can raise your premium. Do not look for cheap Texas insurance, look for a great carrier who offers the most discounts. Your independent Texas insurance agent will help you save money, and let your pocketbook breath a little easier.