According to the FBI, a home break-in takes place every 13 seconds – and, contrary to popular belief, more than two-thirds of burglaries occur not at the dead of night but during the day, when homes are more likely to be unoccupied.
Criminals love an easy target, so making use of the following tips may encourage a burglar to target someone else and not you!
Install a home security system: A centrally monitored alarm is not only an effective deterrent, but also brings you discounts on your home insurance premiums. If you don’t want to fork out for a security service, consider “faking it” with an alarm company sign on your front lawn and dummy security cameras.
Lock doors and windows: An astonishing 79% of home break-ins occur through an unlocked door or window. It takes just seconds for an opportunist thief to walk in, grab some valuables, and make their escape. You should also close curtains and blinds, so would-be intruders cannot see inside and identify items worth stealing during a quick raid.
Get to know your neighbors: One of the best deterrents for thieves is a community where people keep an eye out for each other.
Don’t make things easy for thieves: Lock ladders and tools away. Remove items near the home, such as rocks, which could be used to break a window. Install strong doors with high-quality locks. Trim trees and shrubs near the house to eliminate hiding places.
Make it look like you’re home: Leave lights or a radio on when you go out. Better still, put lights on a timer to go on and off at random times.
Replace worn keypads: Have a keypad on your gate or garage? Be sure to change the code regularly, otherwise certain keys are likely to become worn which makes it a lot easier for thieves to guess your code.
Secure your passports, documents, jewelry and cash: The first place a burglar will look for these items is in the bedroom, so buy yourself some time by keeping these items in a locked box or a safe in another room.
And finally …. consider owning a dog for maximum deterrent value. Small dogs make a lot of noise and attract attention to an intruder, and if you have a big dog, may God help anyone who decides to gain unlawful entry to your home!
Telematics is a technology-based system whereby insurance companies assess your auto insurance premiums based on your driving habits. The idea is to create a fairer system of auto insurance, by rewarding safe drivers with lower premiums – as well as providing a much more accurate way for insurers to assess risk.
You may know Telematics by other names such as Right Track (Safeco), Snapshot (Progressive), or IntelliDrive (Travelers). Drivers participating in the program download an app to their phone, or plug a device into their vehicle, which measures their speed, acceleration, braking, and night time driving, for a period of 90-365 days. At the end, safe drivers receive a discount from their auto premium, or a lower rate for their auto insurance renewal.
Some industry analysts predict that nearly all auto insurance policies will be primarily telematics-based within five years. It’s good news for driver safety, and also for premiums. Most carriers offer a 5% discount just for taking part in the program, with up to a further 20-30% premium reduction available on completion.
Give your agent at Memorial Insurance a call to see which Telematics program is available for your auto policy, and whether it would be a good fit for you.
Still unsure whether an independent insurance agent is the best way to go for your home, auto, umbrella, flood, renters, or rental property insurance? Read below!
You save money: The difference between your current policy and the best option available in the marketplace can be hundreds or even thousands of dollars per year. Put your independent agent to work finding the best policy for you!
You have more choice: Let’s say you are shopping for homeowners’ insurance. An independent agent has many companies to choose from (Memorial Insurance has more than 22!), whereas a captive agent – such as State Farm – has just one. Who is more likely to be able to offer the most suitable policy at the lowest price?
You get better discounts: New roof? Got married? Improved credit score? If you stick with the same policy for years, you run the risk of missing out on savings if no one is checking. Your independent agent will review your policies annually to make sure you’re receiving all possible discounts.
You stay under one roof: Life is easier when you have your home, flood, auto, boat, umbrella, and rental home policies all in one place with someone you know.
You make informed choices: Unsure about whether to file a claim? Don’t know what is covered under your policy? Your independent agent will make sure you’re not missing any essential coverage, as well as providing guidance and advice. There are no 1-800 numbers here …. you just call and speak directly to someone who knows you.