According to a study by the Insurance Information Institute, around one in 250 insured homes files a theft claim each year. Although this is not the most common claim, it is significant enough that insured homeowners should be looking into their options for getting the best home security. Technology is constantly changing and improving, and there are now some rather impressive and very effective systems available to protect your home and help you avoid property damage theft claims.
Smart Doorbells
This is not your average doorbell. A smart system features a camera that can show you who is outside your door – even if you are not home. Many smart doorbells also allow the homeowner to speak to doorbell-users via intercom. Since thieves will often ring doorbells to check if a home is occupied, being able to see and speak to any visitor, threatening or not, is an attractive security advantage. If you are able to respond to the potential thief, making them think you are home, they may well leave your house alone.
Smart Locks
In our modern age, no one should be leaving a spare key under a doormat or plant. These common hiding spots are the first place a burglar will look, and unless you check the spot every day your key could be stolen, copied, and returned without you ever knowing. A smart lock system gives you the ability to lock and unlock your exterior doors from anywhere at any time. Many systems allow you to check the status of your locks remotely, and some will alert you to any attempt to tamper with the lock. You can also create codes for people you need to let into your home. It is important to note that your smart lock system will need strong encryption and two-factor authentication (such as a passcode and a fingerprint) in order to be safe from hackers.
Video Monitor Systems
Similar to smart doorbells, a video monitoring system allows you to check up on your home even when you’re far away. However, these systems take the surveillance a step farther since they can monitor any areas of your home that you wish – your only limitation is where you can set up a camera! If you want to install cameras that will cover the entire perimeter of your home, you can do so, and you’ll be safer for it. Some video monitoring systems even allow users to set up virtual boundaries and the system will alert you if the boundary is breached.
Full-Service Security Companies
There are many companies, large and small, that offer full-service security systems. These companies will often install the system for you and take care of most of the monitoring themselves. If you don’t feel comfortable with the DIY approach to home security or are not able to access something like a smart doorbell camera from your cell phone, a full-service company may be a good option for you.
A Final Note
Oftentimes, insurance carriers will offer discounts on your monthly premium for a home that has security systems. You will need to make sure that the system you have or intend to purchase is eligible for a discount from your carrier. Give Carnal Roberts Agency a call to speak to your agent about this, and get on your way to saving money and staying safer.
Spring break is known as a time for fun and relaxation. It’s a chance to get away from school (and work!) for a little while and spend time with the family. However the risks involved in taking a spring break trip cannot be ignored. This doesn’t mean you should spend the entire break keeping the family holed up at home, but it does mean you should pay attention to the following safety tips while on your trip.
Be Careful On the Road
Traffic sees a large increase during the spring break season. Be sure to drive the speed limit, make sure everyone is properly buckled in, and avoid distracted driving. Have the person in the passenger seat play the role of navigator so the driver is not constantly glancing at a phone or GPS. Local law enforcement will probably be increasing their rounds during this time, so it is especially important to obey traffic laws to stay safe and avoid violations – especially since this can raise your car insurance rates! For long trips in the car, you might want to consider adding roadside assistance coverage in case you experience any issues far from home.
Protect Your Valuables
While it’s true that renters and homeowners insurance policies can cover your valuables even if you bring them out of town with you, you still want to do everything you can to avoid filing a claim. Never leave them in plain sight in your car or hotel room. In fact, it’s a good idea to make use of the hotel safe, if available. Additionally, try not to bring high value items like jewelry, watches, and laptops or tablets. If you have to bring your valuables with you, be sure to check your limits of liability with your insurance agent before the trip to ensure you have all the coverage you need for the items you plan to take.
Refrain from Posting About the Trip on Social Media Until It’s Over
Many of our online “friends” might actually be more like casual acquaintances. You never know who could see your social media posts about being gone for spring break; anyone with bad intentions and your personal information could choose to take advantage of the situation. There have been numerous reports of homes being broken into after someone saw on social media that a family was away on vacation. Of course you want to share the amazing photos you’re taking and post updates on the fun times you’re enjoying, but it is safest to leave the posting for after you arrive back home.
Spring break is a wonderful time to get away from the everyday stresses of life. By following just a few simple safety precautions, you can keep your vacation from turning into a nightmare. Contact your agent at Carnal Roberts Agency to review the coverage that can protect you from the risks of traveling over spring break.