Sometimes at Christmas, you leave your house unsupervised for last-minute purchases. But what can you do to protect your home from thieves?
According to the FBI website, in the Crime Clock section, a house is robbed in the United States every 25.7 seconds. Now imagine this statistic at Christmas where they abound: gifts on Christmas trees, and houses without the presence of the owners because they are traveling on holidays.
To avoid being part of these statistics, protect your home with homeowners insurance, and consider the following tips to help you enjoy the holidays.
1. Keep Your Homeowner Insurance Up to Date
We are absent from our homes for many reasons this Christmas, for example, last-minute shopping or simply visiting our relatives on the holidays. Having your home insurance up to date will ensure that you are protected against thieves while you are not at home.
Standard Homeowner Insurance policies cover your personal belongings inside and outside your home. You should not worry if your bike is stolen outside your home or if your laptop is stolen inside your house at Christmas, because your insurance will cover both eventualities.
2. Check Your Insurance Policy
Homeowners insurance has two classes of coverage Actual Cash Value (ACV) or Replacement Cost Value (RCV).
ACV reimburses you for the current amount of your stolen or damaged item, while RCV reimburses you for the amount it would cost to replace the same product in today's market. Reviewing what coverage you have in your policies will give you the peace of mind you need if you are a victim of theft or property damage.
3. Make Your Home "Theft-proof"
When you make your home theft-proof, many home insurance companies give discounts of 2% to 15% off the costs of premium policies.
In order for you to be eligible for these discounts you must do the following: Use deadbolt locks on your doors classified as grade 1; Install burglar alarms connected to local law enforcement or install moving lights around the perimeter of your home.
Protecting your home around the holidays can cost you money. These expenses can be reduced when you contact your insurance agent or insurance company, as they will advise you at any time on the correct actions so that you can enjoy the holidays.
