Becoming a victim of a burglary can be extremely taxing on both you and your family. Your trust is betrayed and your sense of security -- in the place you should feel safest -- is completely destroyed. At first you mourn over the loss of your possessions, but then your mind begins to wander to thoughts about what might have happened if your family had been home at the time it happened. Find out how to protect you and your family below.

How to Make the Most of your Homeowners Insurance

A typical home property insurance policy, while comprehensive, typically benefits you the most during large claims -- especially when it comes to your belongings. Most homeowners policies cover things like electronics, jewelry, fur, and guns for limits between $1,000 and $5,000 depending on what is listed on your policy.

In order to get the most out of your policy you'll want to make sure you read through it and determine what the set limits are. If you have valuable items then you'll want to make sure they are scheduled on the policy. Usually you'll need an appraisal or bill of sale in order to schedule property.

You'll also want to put together a home inventory of all the items you would definitely need replaced in the case of something happening to the home. There are a ton of apps and online sites that can help simplify this process. Lastly, make sure you keep receipts of big purchases. Personal property replacement with holdback means you get the depreciated value of the item until you can provide proof of purchase.

How to Prevent Burglary

The best way to deal with a burglary is to prevent it from happening. Here are a few tips to get you started:

  • Get to know your neighbors - Having an extra friend that will keep an eye on things while you're away is an immense help.

  • Consider an alarm sign - An alarm sign, whether you have an alarm or not, is an easy theft deterrent.

  • Laminate windows - Laminate windows are more difficult and time consuming to deal with, which could buy you time and convince the thief your home just isn't worth it.

  • Clean up your yard - Don't leave tools in the yard that could aid a thief.

  • Be unpredictable - Most break-ins are either pre-meditated by staking out the home or done by an acquaintance. A thief doesn't want you to be home any more than you want to be home during a home invasion, so having an unpredictable schedule can convince a thief to find a different target.

The most important takeaway is to never highlight yourself as a target. Since professional burglars have a tendency to stake out potential homes before striking, it's a good idea to build good preventative habits to stop something before it even has the chance of happening. Convince any would-be thief that your home isn't worth the hassle. If you're interested in learning more about property insurance and what is covered in different policies, contact an insurance broker with a business like Idris Insurance Brokers Ltd.

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