Safety Tip: How To Make Your Home Unattractive To A Burglar

When driving down a street at night looking at houses, you are most likely drawn to the house with exterior lighting, neatly trimmed landscaping, and lights on inside. That’s because the house looks inviting and well cared for. Now imagine a burglar is driving down the same street. The things that drew you to the previous house are the same things that will turn that burglar away, looking for better opportunities. A property with no exterior lighting, overgrown landscaping, and possibly no one at home, invites criminal activity.

It is important to note that burglary is a preventable crime. Common sense dictates some of the steps you can take toward making your home safer and less attractive to burglars. The following are some general tips you should incorporate into your routine that can make the difference between the burglar stopping at your house or passing it up for another one further down the road.

The first line of defense between you and a burglar is to secure your home properly. Make sure your yard, driveway, and all entrances to your home are well-lit. Consider the use of lights on a timer or photocell, which turns lights on automatically at dusk and shuts them off at dawn. Trees and shrubs around windows should be cut back so you don’t give a burglar a place to hide while preparing to enter your home.

If you are going to be away from home for a period of time, leave a light on. Lights left on indoors, especially those on a timer that turn on when it gets dark and shut off at bed time, can be a deterrent to a burglar. The goal is to make it look as if you are home. Ask a neighbor to pick up your newspapers and bring in your mail. Along the same lines, if you will be gone for an extended period, arrange for your lawn to be maintained. Permitting your grass to grow high or get dry is a sign of neglect and can invite unwanted attention. If you have a garage, use it. Parking inside your garage on a regular basis makes it more difficult for a burglar casing your home to know whether or not you are really there.

Burglars will usually spend about five minutes trying to get inside your home. Make that task as difficult as possible by doing the obvious: Lock your doors and windows! If you forget to lock your back door, this can be viewed as an invitation by a burglar looking to get into your home quickly. In addition to the obvious, avoid spring bolt locks. It takes only a credit card to push open the bolt and allow access to the inside. Deadbolt locks should be installed on all exterior doors. The American National Standards Institute (ANSI) has established testing and ratings for deadbolt locks. Grade 1 locks are the best, with Grade 3 locks being easier to penetrate. Look for Grade 1 locks when shopping for a deadbolt. A key lock or pin-type lock works best for patio door, or any door with glass that could be broken easily to access a knob on a deadbolt. Heavy-duty strike plates should also be used to prevent a burglar from successfully kicking in your door.

When purchasing a new home, make sure all locks have been changed. Also, think about calling a reputable locksmith who can advise you on proper locks for doors and windows. Carefully preparing your home, including adequate locks, lighting, and regular maintenance, can make the difference between a burglar deciding to make a stop at your house or to keep driving.

For a free copy of any of our special reports on home insurance and more, visit www.siaonline.com/reports.html or call any member of our total protection team at 877.994.6787.

How Do I Find Affordable Car Insurance For My Teen Driver?

If your teen is getting ready to put their hands to the wheel, it’s time to think seriously about auto insurance options – a dreadful thought for many parents, but with a little research and careful planning you might be able to obtain affordable Auto insurance for your teen. Let’s explore some ways to lessen the cost of your teen’s Auto insurance.

Proper Driver Training

Many teens opt for driver’s education in high school, and this is a wonderful way to decrease your teen’s Auto insurance rates right from the beginning. Many Auto insurance companies offer discounts to those who have completed a driver’s education course successfully. Not to mention driver’s education provides proper on-the-road training for your teen. The instructor can teach all the written and “unspoken” rules of the road while also showing proper driving techniques, including defensive driving. Knowing how to drive properly helps decrease the chances of careless driving, thus making your teen a much safer driver.

Law versus Fun

Emphasize to your teen that although driving is fun, it’s also a serious responsibility. Make sure they understand how the law works and the stiff penalties for speeding, racing, careless driving, drunk driving, running stop signs or red lights, not wearing seatbelts, parking in undesignated areas, etc. Explain that even one traffic offense can eliminate their chances for affordable Auto insurance in years to come, and might even cause them to lose their driving privileges for a while.

Does Your Teen Make the Grade?

Some insurers offer discounts to students who keep their grades up. This is somewhat of a reward for you as a parent and for your teen if they get good grades or maintain a high GPA (grade point average). Your Auto insurance company might offer this discount because insurers feel that a teen who demonstrates responsibility and carefulness in school is more likely to do the same while behind the wheel of an automobile. This can be used as an incentive for your teen as well. You might even offer a bonus allowance to your teen for keeping their grades up, using the money you’ll save with cheaper Auto insurance!

Choose Cars Wisely

Teens and sports cars – these words shouldn’t be used in the same sentence if you’re shopping for Auto insurance. Insurance companies frown upon teens buying or driving sports cars, even if the teen is a safe driver. Sports cars in general tend to carry higher insurance rates for drivers of all ages, but teens are especially vulnerable to temptation when it comes to showing off their new car and testing how fast it will go. Opt for a sedan or family-style car with all the safety features possible. The good thing about safety features is your insurance company might offer discounts for certain safety features such as anti-lock brakes, air bags, added frame support, and others.

Opt for an Add-On to Your Policy

When your teen first starts driving, consider adding them to your current insurance policy for a while. You can do this as long as you remain the primary driver of your vehicle. It is also recommneded that your youthful operator be added to your policy until age 18 since parents are likely responsible until the youth reaches 18 anyway. Also you will enjoy the lower rates based on the discounts earned under your current policy and age. If they only have a learner’s permit, check with your insurance agent FIRST to find out if they should be added to the policy as a driver. Most (not all) will cover teen drivers automatically under your policy while driving with a permit.

 Ask Us About ALL of the Discounts

Cosult with one of our experienced insurance professionals. We can assist you in achieving the delicate balance between price and protection.

Having a teen driver creates awareness about road safety and Auto insurance like nothing else. Use these tips to guide you as you shop for Auto insurance that will provide the most coverage for your money. Call our office today 877-994-6787 or 951-600-5751 for more information on your teen driver’s insurance protection, afree copy of our special report “101 Tips on Teen Driver Safety” and a complimentary copy of our teen driver contract.

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Congratulations to Marty Adair!  Marty has won Dinner & a Movie for Two…

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