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.

Overcoming High Prices for High Risk Drivers

Shopping for automobile insurance for high risk drivers can cause a bit of sticker shock when you receive a quote for coverage. High risk groups include male drivers under 25 years of age, unmarried women under age 21 and anyone with a poor driving record. Premiums can be substantially higher for these groups and in some cases, an insurance company may simply refuse to offer any coverage because they do not want to assume the risk.

All is not lost if you happen to fall into the category of high risk driver. It is usually cheaper for a parent to include a teenage driver on their policy than for the teen to take out their own policy. Once the young man or woman becomes emancipated and living on their own, they will have to fend for themselves and shop around for the best and most affordable coverage.

While many young people are very careful and conscientious, statistically, they fall into a group that tends to have more accidents. Insurance companies do not write insurance policies based on individual records, but rather as a group. Unfortunately, higher insurance rates are a sometimes unfair reality that young drivers must accept.

Those categorized as high risk because of numerous traffic violations, excess points on their driving records or multiple accidents in a short period of time, may have an even more difficult time finding insurance. Every insurance company has different standards and rules for who they will insure. It is to your advantage to shop around and hopefully find a company that will insure you for a reasonable price.

If you have been rejected by at least 2 insurers, you can get basic liability coverage through the Texas Automobile Insurance Plan Association (TAIPA). You will pay higher rates, but you will be able to get the required coverage needed to legally drive in Texas.