Car Vandalism or Home Burglary – Get Insured First

Secure with Home Insurance FirstWith the impulsive crime news of May 26,2011- “A man aged 20 years was sentenced in prison for nearly three decades for breaking into a home and ransacking the home by tying up the couple’s.” Ohio’s watch on home safety becomes tough with every such incident. According to a universal survey, unlocked cars and homes are major victims of break-in’s. There are several incidents where perpetrators break through the main doors of even garage to reach unlocked vehicles.

Avoiding Burglary of Home and Vehicle Break-in’s

A home that can be broken easily and quickly is set as a target by the burglars to pick something valuable and they will not be easily detected. Though you cannot afford a secured system, an act of safety tips taken keeps your possessions safer.

Home Safety

Protecting your home and family from criminal invasion should be high on your list of priorities.

  • Ensure trimming of all trees and shrubs so that the burglar cannot easily conceal himself.
  • Keep exterior lights of your home well lit especially at the doors or in rear part of the house, where burglars snuggle through to do most of the work.
  • Build rapport with your neighbors. They can help you by eying at your home and report if any suspicious activity around to the cops on request when you are away from home.
  • Prepare an inventory of all your valuables. Enure to take a picture or a videotape record of any personal belongings which are expensive. If possible, store the listed inventory and your insurance at different location. It will benefit you when both the insurance company and the police need to identify goods stolen.

Vehicle Security

Some simple steps taken can greatly reduce the risk and avoid break-in’s, which purely means you get that peace of mind.

  • Park your vehicle in an open, well lit and areas which are quite populated, else park at garage only.
  • Turn off car’s engine when not on move, roll up the windows, check if all doors are locked, and do not drop your keys back even if stopped for a quick break at any store or a gas station.
  • Never leave any of your valuables for an easy sight. Remove all laptops, cellular phones, wallets etc. from your vehicle.

Steps taken to Report Burglary

Reporting about the crime to your insurance company against your valuables should not be a painful process anymore.

  1. File a report at your nearest police department if you are a victim of burglary. Make a note of filed incident number at police for any future reference when dealing with your insurance company.
  2. Keep your insurance agent informed on receiving the incident reported number from cops.
  3. Talk to your insurance agent about filed incident and help him with every single detail even if you are aware of how the burglar entered your home.
  4. List all the items damaged or provide required proof such as a videotape or picture taken and then repair the damaged items. This helps the cops in a better way to handle the crime.

Comfort your loved ones to get out of the shock and the confidence required for it will be built only by having proper insurance.

Regular Maintenance: A Must for Homeowners Insurance

A Must !!A home is a valuable asset, but it’s also a constant responsibility that at times may require you to compare homeowners insurance. Of course, if you’re like most homeowners, you want to keep your asset in good shape and perform regular maintenance. However, if you’re a first time homeowner, you may not realize that regular upkeep is nearly always a requirement of any homeowners insurance policy. In nearly all cases, failure to properly maintain your property can result in your insurance carrier refusing to cover the costs of damages.

Compare Homeowners Insurance and Maintenance Requirements
When you compare homeowners insurance quotes, the requirement to perform regular maintenance on your home is an important financial aspect to consider. For example, if you don’t have much time to perform your own maintenance such as cleaning the gutters, making sure the chimney is swept, and trimming all trees and shrubs so none damage the exterior of your home—or any passerby—in a storm, you’ll need to factor in the costs of hiring a company to do this for you when you compare homeowners insurance. However, if you love to spend your weekends replacing broken window frames, re-wiring the exterior lighting on the back porch, or paving the drive way, you can likely compare homeowners insurance without adding extra costs for upkeep by professionals.

Make a Smart Choice and Follow Through
It’s vital that you’re honest with yourself when you compare homeowners insurance. It won’t do you any good to choose a low premium and promise to maintain your property yourself if you don’t follow through. When you compare homeowners insurance, add realistic expected maintenance costs to your premium and deductible before choosing your policy.