By. Cassandra June
From theft, burglary, arson and vandalism, the types of property crime homeowners need to protect their homes from is a worrying list of felonies. 2016 saw property crime in California creep above 1 million instances; a scary and shocking statistic for anyone who owns a home. Finding yourself the victim of a crime is a scary and difficult time where finding ways to stay positive can be difficult, but knowing that you’ve taken steps to protect your home by holding a home insurance policy is a relief for many.
One of the first things any homeowner should do when they purchase a property is obtain home insurance. While it can be costly, there are ways to save on your home insurance, and it’s a brilliant product to utilize, should your property be involved in a crime.
If your property is damaged following a crime, your insurer will arrange for repairs and replacement of household goods to ensure that you and your family aren’t at a loss. Although, some items are invaluable and can’t simply be replaced, home insurance does provide you with the reassurance that generic items, such as televisions and laptops, will be replaced should a thief steal these.
Secure windows and doors
Leaving doors and windows open or unlocked makes your home an easy target to thieves. Therefore, it’s important that you remember to close and lock them when you leave your home – even if you’re only popping to the shop and back. Additional locks for windows can be installed in addition to existing locks. Whilst, door chains can provide additional security too. Other ways to maximize the security of your windows and doors is to install window bars, sensors and reinforced glass. Aside from ensuring your home is protected from criminals, making your windows and doors extra secure can also result in lower home insurance costs.
Installing an alarm system and CCTV can reduce the cost of your home insurance premium and deter criminals from selecting your home as the one to burgle or vandalize. Insurers will offer you a lower premium as alarms are a great way of reducing damages, so be sure to purchase a good quality, dependable alarm.
Home insurance is a remarkable product which many Californians are already benefiting from. However, by ensuring your home has top-class security features, you can be sure of a safer home and lower home insurance costs.