Dealing With the Threat of Theft

Home insurance policies are calculated on the amount of risk to which your house exposed verses the value of your house. The insurance company will pay out if you suffer a theft but as it is difficult to reduce the value of your house, one of the best ways of reducing the cost of your insurance is to reduce the level of risk to which your house is exposed.

The first thing that you can do to make your house safer is consider the points of entry. You should make sure that your windows are secure and fitted with locks that meet the industry standard. Do not leave them open or unlocked when you leave the house. If you do have locks that meet the industry standard you may save money on your premium as a result.

You should also watch out for the strength of your doors. There are any number of different types of locks and bolts that you can fasten to your front door, but if they do not meet the industry standard you can guarantee that they won?t save you money. Beware of glass panels that someone could break in order to open your front door, and if you have such a panel make sure that it is as secure as possible.

If you are considering getting new locks make sure that you check with the insurance company. You may be able to save money on your premium if the new locks meet their requirements, and there is little point paying for new locks if you could get a slightly different set that will save you money in the long run.

Doors and windows are only as strong as the frame which holds them. Make sure that all your frames are solid and secure, and whilst you may not necessarily save on your premiums, there?s no point spending money on a lock if the frame is on the verge of giving way.

Alarm systems can also save you money. Most insurance companies will want you to use a company registered with the National Approval Council for Security Systems and if you are struggling to find a company with this accreditation they will be able to point you in the right direction. It?s important to remember that having an alarm may act as a deterrent if it is visible, but it will only help tell you that someone has broken in, and it?s best to try to ensure that no one breaks in at all.

If you are going away on holiday, make sure that you cancel any newspapers or milk that you get delivered. Don?t advertise the fact that you are away to anyone who might consider breaking in, and ask a neighbour to keep an eye on your property.

If you are thinking of getting a home insurance policy make sure that you do your research and get value for money. Co-operative Insurance are offering particularly good deals at the moment and should be worth consideration.

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