Do not leave the garage door remote in your car.
Don't be easy bait
If you park outside your house, don't forget to take your garage remote in with you. By just breaking into your car, the thief could also quickly gain access to your home through the garage. If your car has a glove box that can be locked, stash it there instead of on the visor. Don't make a criminal's job easier. Insurance claims are not always straightforward, so you will want to avoid them if it's possible.
Standard home insurance coverage
- You can expect your standard homeowner's insurance plan to cover basic things such as damage to most structures that are part of your house or also those items that are considered part of your personal property.
- Your home insurance will probably cover perils such as fire, strong windstorms, damage occasioned by weather such as lightning striking your house or a hail storm breaking your roof, and sudden incident such as tree falling causing damage to your property.
- Homeowner policies will also cover the theft of personal items stolen from inside your home and for the objects left in your backyard.
- Any repairs that need to be made from vandalism.
- Most importantly, home insurance will cover medical expenses or legal fees if someone gets badly hurt while visiting you on your property.
However, before claiming insurance, you need to consider your deductible. You will need to pay the deductible before the insurance company can take over the rest of the cost for repairments and losses.
Home Insurance vs Theft
Even though most home insurances cover apparent theft and vandalism activities suffered in your house, there are some situations where your broad home insurance might not step in. For example, most of the time, people who have comprehensive home insurance will be covered for theft even if there is no trace of forced entry into their house.
However, with broad home insurance, you might experience trouble and even not be covered if there is no proof of a forced entry attempt on your house. Therefore, always consult with your insurance company to verify when you will be covered for theft.
Objects covered from theft
If my insurance covers theft that occurred in my house, what kind of items would they cover? There are some basic things that your homeowner's insurance policy might cover. For example, your insurance might cover certain electronics such as television, laptops, stereos and other miscellaneous items. However, depending on your policy, your insurance could pay for either the cost it will take to repurchase the items or consider the depreciation value of your stolen objects and pay you for what they are worth in the present day.
Despite what has just been said, there may be a limit on some of the covered items after a theft. For example, when it comes to jewelry, the situation is more delicate. You will probably need to present a receipt for your jewelry or even get them professionally appraised to get them correctly insured for their value. There is also a maximum amount that can be paid for jewelry in the case it gets stolen. Based on your insurance, this might only be up to 1000 or up to 10,000 if you have greater coverage for jewelry.
Claiming for your stolen jewelry is tricky, and you will need to talk to your specific insurance to see precisely how to insure them against theft.
Filing A Theft Claims
If someone breaks into your home, you will need to follow a process to ensure that the insurance company will pay your claim. These are some steps that you need to take if you are a victim of theft.
- After you are in a safer spot, the first thing that you will want to do is to report the theft to the police. Most insurance companies will require a police report to pay on your claim.
- The policy will most likely advise you to start your list of stolen items and check for any damages that your property might present. At this point, you should also document the events and also take pictures of the losses and damages.
- Contact the insurance company right away and file a claim. At this point, you will want to explain to them what happened and give them the list of the stolen items and any damage that your property suffered.
- Provide all requested documents to the insurance company. The process will go a lot quicker if you present all the needed documentation fast. After the insurance has inspected and finished their investigation, they will evaluate your policy and assess the payment to replace your stolen items and damages accordingly.
Protect Against Theft
These are some tips to help you keep your home protected from theft.
- Make sure you don't leave the door or windows open, even when you are sleeping at home. If you are in your backyard, your front door should be locked. If you go on vacation, check that the windows and doors are locked. You might also want to use extra locks for this to be safer. It takes less than 10 minutes for a robber to be in and out of your home, especially if they have easy access
- If you have some extra money to invest in your home, you can get a security alarm system. A home alarm system can alert your neighbours and even you so that you can call the authorities if there is an invasion. Cameras can also catch the thief in the act. If a robber sees a security system on the home, they are more likely to leave.
- When on vacation, have a friend or a trusted family member check on the home. They can make sure everything looks safe and make it less obvious that no one is leaving there.
- Finally, you might also want to avoid posting on social media that you are going away from your home. By advertising the times that your home will be empty, you will be exposing and making your house a target for thieves.
Dangerous neighbourhood insurance rates
Without a doubt, homes that are located in a neighbourhood where a lot of crime happens will most likely be categorized as a higher risk and, therefore, will be given a higher insurance premium. When living in a more dangerous area, you will also be more prone to suffering from theft. In other words, you will have to pay more for insurance so that they are willing to take you in.
Overall, a standard home insurance policy regarding theft might vary according to your insurance company. In order to be sure and in the safe zone, make sure you consult your insurance provider about your specific theft policy.