As the countdown to the holidays and NYE approaches, undoubtedly you’ve got some new gadgets, toys or jewelry around the house. Thieves know this. While you are off enjoying a holiday gathering, vacation or party, thieves could be helping themselves to your things. Taking a few extra precautions may help save you and your family the stress and anxiety of having to sort through your home for missing items and filing a homeowner’s insurance claim in Honolulu, HI.
- Be alarmed: An alarm system is a great way to deter criminals (as long as you remember to arm it) and to potentially get a discount on your homeowner’s insurance. If you do not want the added expense of installing and maintaining an alarm system, get “Protected by XYZ Alarm Company” sign for your front yard. A little deceptive advertising could go a long way to keeping thieves away from your home.
- Meet the neighbors: Get to know the people on your block; be friendly. Neighbors can see things that you might miss such as an open gate or garage door. Friendly neighbors can also look out for one another on nights out or when you’re out of town.
- Keep it clear and lit: Keeping landscaping and shrubbery trimmed and low around potential points of entry like windows or side doors could help reduce the likelihood of an intruder trying to enter your home. Installing motion lights and leaving a television or radio on when you are away from home gives the illusion that someone is in the house can be a deterrent for thieves.
- Stash the valuables: Just not in the bedroom! The bedroom is one of the first places that thieves will look for jewelry and other valuables. Having a built-in safe or a false tile in the bathroom floor to store your valuables may make it harder for thieves to make off with your goods.
- Know your stuff: Keeping an inventory log of items that have a potentially high risk of being stolen can help you later in the claims process. Having readily available photos, serial numbers and receipts or appraisals can help your insurance agent determine a payout should these items go missing. Having a written record can also help the police search for your missing items at pawn shops or on Craigslist.
- Specialty Insurance: While your homeowner’s insurance may cover a portion of the cost to replace stolen items, it will not cover everything. Adding a separate valuables policy may help you recoup more of your dollar loss. Valuables such as jewelry, art and electronics can be added to a separate valuables policy.
We know that keeping your home safe from thieves is a top priority for you, just like making sure your home is properly insured is a top priority for your local independent insurance agent. Carr’s Insurance Agency in Honolulu, Hawaii can guide you through your homeowner’s insurance policy and add additional coverages like a separate valuables policy or personal umbrella policy. Their years of insurance experience can save you a bundle, and they live right in your area, so know first-hand what your insurance needs might be. You can also visit their insurance website 24/7.