While Mayville is far enough from the metro areas of Milwaukee and Madison to be full of crime, that doesn’t mean there aren’t still burglars and vandals lurking about. These criminals are looking for houses that are empty because the owners are away and easy to sneak into.
Make sure your home isn’t one of these susceptible homes by learning how to properly protect it below.
Home Security Steps to Take Before Leaving on Holiday
- Think about getting a home monitoring system, such as video cameras or automatic sensor lights at each door. You can link these systems to your smartphone so that you can check-in with your home even while you’re away. Furthermore, make it a point to put up signs proclaiming that your property is being monitored. Home monitoring system companies generally provide these.
- Burglars aren’t always looking for what you assume they may be looking for. While, yes, you should certainly store valuables like cash, jewelry, and other costly things in a safe, don’t forget that burglars may also be searching for liquor, medications, personal identification information to use for identity theft, and other unexpected items
- While it’s tempting to show photographs, videos, and posts of your vacation on social media while you are away, try to wait until after your trip to share these things. Criminals have been known to seek out homeowners who are away from their homes according to social media.
- Make it a point to keep up on home maintenance. Better maintained homes tend to arouse less interest and are less susceptible to break-ins. Furthermore, if you can keep doors and windows efficiently repaired and tightly secured, there’s a chance that burglars or vandals won’t look at your house as an easy target.
- Consider giving a friend or neighbor a key to your home so that they can go in and check on it periodically. They can take in your mail and newspapers, turn on lights, water plants, and ensure that everything is in its proper place.
Insurance and Property Loss
It’s always important to do as much as you can to prevent a physical loss or damage to property, especially when you leave your home for a long period of time. Remember that the precautions listed above can make a huge difference in whether criminals target your home.
At the same time, it’s important to know that your homeowner’s insurance policy is there for a reason. If you still incur a loss, even after taking the above precautions, your policy will kick in and take care of any home damage (such as broken doors or windows) or stolen or damaged items.
Still, understanding homeowners insurance and how it works can be slightly complicated. Most importantly, it can be confusing to understand actual cost value and replacement cost and how they differ.
Actual Cost Value Vs. Replacement Cost
When it comes to any losses you experience from burglaries or vandalism, you’ll generally have a choice between receiving your claim payment for the actual cost value of your lost item or the replacement cost.
Actual cost value refers to the worth of a lost item at the time it was lost. You won’t be paid enough to actually replace the item, however. Replacement cost, as you may have assumed, refers to an amount that would provide full replacement of a like/kind item.
Our agents at Mayville Insurance can help you find a new home insurance plan or refine your current policy to make it more suitable to your needs. Call or stop in today to learn more.