How to Minimize the Risk of a Home Invasion
Since your homeowner’s insurance policy doesn’t provide protection from a home invasion, home invasion insurance is a must. These policies provide protection for people-related risks, such as abductions and injuries. Your homeowner’s policy will only provide coverage for loss or damage to your property. Plus, a typical health insurance policy will only provide limited mental health coverage, which could be necessary after a traumatic home invasion.
These polices provide a financial safety net for accidental death, dismemberment and bodily injury during a home invasion. It can be added to a standard homeowners and health insurance policy to assure full protection against losses.
To ensure you’ll be prepared and protected in case of a home invasion, consider implementing these strategies:
- Install solid core doors with strong locks and security devices on your windows.
- Keep your doors and windows locked at all times when you’re home and away.
- Install a peephole and don’t let anyone in your home before looking to see who’s at your door.
- Don’t open your door to strangers or solicitors. If someone acts suspiciously, call the police immediately.
- Keep your window shades closed at night. If someone cannot see into your home, they may not feel comfortable trying to get in.
- Get a dog. Not only might a dog alert you of potential invaders, the animal may even scare them away.
- If you own a firearm, keep it hidden in your master bedroom. Victims are generally contained in their bedroom most often.
- Discuss your home security plans with your entire family. If your loved ones are on the same page about how you’ll resist a home invasion, you’ll be more prepared in case one occurs.
Are You Vulnerable?
Most homeowners do not think they’re potentially vulnerable for a home invasion, and consequently make themselves easy targets for criminals by not taking the necessary precautions. The most common point of attack is the front door and garage area.
More often than not though, criminals will impersonate delivery drivers or maintenance workers to get into the home. Then, they’ll often use extreme force and/or violence to attain full control.
If you have any questions about your current homeowners policy or need to obtain home invasion coverage, contact a member of the ‘A’ Team.
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