How to Prepare for the Chance of a Home Burglary?
Shattered glass, splintered door, ransacked home: a burglary can be one of the scariest experiences for a homeowner. After the initial terror of knowing someone might be in your home, you might start to panic about how to replace all of your stolen or damaged goods.
We at Tegner-Miller Insurance Brokers know that being the victim of a burglary is extremely stressful and devastating, so we have drafted the following checklist to help you protect yourself from a potential burglary.
1. Check all doors and windows to make sure that locks and seals are functioning.
2. If you are going on vacation or just out for the evening, leave a light on in your home to dissuade burglars looking for an empty house.
3. Discontinue newspaper delivery or ask a neighbor to retrieve the paper every day.
4. If you have an external mailbox – arrange for it to be held at your local post office or ask someone to gather your mail daily
5. Invest in a burglary alarm system. In particular, try to get a system that calls local law enforcement when a burglary is detected.
6. Invest in timers that can be set to turn your lights on and off at specified times.
7. Even if you don’t own a dog, a strategically placed “Beware of Dog” sign can dissuade potential thieves.
8. Make sure you understand what your homeowner’s insurance policy covers. For example, make sure you know whether your policy covers the replacement cost of stolen items or the actual value cost of the items. Speak to your broker at TMIB for more information.
9. Put together an inventory of all valuable items in your home. This is useful for all home insurance claims, including burglaries, water damage and fire. You can make either a list or video (or both) of important or valuable items in your home. This will make it easier for you and the insurance company to determine which items were stolen and how much those items will cost to replace. Be sure to save this list or video in more than one place in case your computer, camera or phone is stolen.
For more information about your burglary coverage, call your TMIB broker at (310) 828-9662. And be sure to check out PART 2 of our burglary checklist (which will be posted next week) it will include tips on how to cope with a burglary after it happens.