Shut the front door: Keeping burglars – and high insurance costs – away!

Keeping Burglars and High Insurance Costs Away

Everybody dreams about living in a nice, well-designed house with a beautiful interior. But one thing we should always keep in mind is that dream homes shouldn’t just look good: they should also be safe and secure.

The truth is, burglars have always been a long-standing curse for homeowners. Statistics from the FBI’s 2012 Uniform Crime Report show that the number of burglaries that occur every year are slowly but surely going down. While most certainly not worldwide, this trend is also evident in places as far-flung as Ireland, where incidents of break-ins have been cut by almost 10%. A similar 8% decline in crime was noted in England and Wales for the same period.

Aside from the immediate financial loss, a burglary can also lead to more headaches further down the road. The perceived lack of security, for instance, can have a negative effect on your home insurance premiums. The Washington State Office of the Insurance Commissioner points out that some providers might even cancel a policy if too many theft reports and claims hit their table.

There is an easy way to avoid all these hassles, of course: make your home a less desirable target for potential thieves. We don’t mean dressing it down in a ramshackle design and letting your front yard turn into a jungle. It’s all about keeping burglars out by increasing your home’s security.

Home security starts at your front door. Most burglaries are crimes of opportunity. A sturdy lock should help prevent criminals from taking advantage without setting you back more than a few dollars. Aviva’s Craig Phillips, one of the UK’s top builders, recommends using an automatic deadlocking rim lock. Windows should also be fitted with discreet locks, as well.

Of course, a good deadbolt won’t do much good if the door itself is weak. You can find affordable and well-designed solid timber or steal doors at both online and brick-and-mortar shops, or if you have some extra cash, you can spring for a reinforced custom job.

Strong doors and locks are just two of the options available for the security conscious homeowner. Security alarm systems and outdoor lighting can also buff up your home defense system and help keep your insurance premiums affordable by thwarting potential break-ins.

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