Carlisle Insurance offers some tips for protecting yourself from theft this holiday season.
By: Chase Carlisle
The holiday season is here, and that always brings excitement to everyone who’s ready to spoil their friends and family with gifts. With all the fun and joy the holidays bring, the holidays also bring a higher rate of theft for homeowners and shoppers. When the holiday bells begin ringing, it is important to look over your personal insurance policy to see how you are protected in the event of a theft.
According to the FBI, there are approximately 400,000 burglaries nationwide during the months of November and December, most of which target single-family homes. Although law enforcement officials are constantly working to reduce the threat of holiday burglaries, less than 15 percent of burglaries are solved. The low rate of resolve for home burglaries during the holidays is one of the biggest reasons to ensure your home is safe and covered in case anything happens to you during the holidays.
There are many things you can do to protect your home from becoming a target for thieves during the holiday season. One of the easiest ways to keep yourself and your home safe is to avoid posting your out-of-town plans online, as this can give thieves an easy way to gauge who will not be home during the holiday season. If you plan to be away from home for an extended period of time, update your Facebook and Twitter afterwards instead of beforehand.
There are other dangers of theft when you are away from home. Keep your gifts safe, and make sure you lock them in the trunk, with the trunk lock on, so robbers don’t think the gifts are for them. Always make sure your car doors and windows are closed and locked when you have any items inside. If you order gifts online, keep track of when they will be delivered. Packages left on porches are among the biggest victims of holiday theft, so don’t leave goodies on your porch for others.
There are many ways to still enjoy the holidays without putting your home at risk. In addition to beautiful holiday lights, add automated motion sensor lights next to your doors to deter robbers. You might want your neighbors to see your decorated tree through the window, but this also lets potential thieves see what goodies you have waiting for them. The more visible your valuables are, the better target they are for burglars, so keep your windows and doors closed so no one can peer in.
No matter how many precautions we take, there is still a chance that you could become a victim of theft this holiday season. If this happens to you, it is important to know whether or not you are covered. Personal insurance plans vary by coverage, and it is important to know what you are covered for before it is too late. Most homeowners’ policies provide coverage for possessions at 50 to 70 percent of the dwelling’s coverage. While policies may cover belongings, there are limits on luxury items and what you can claim if a theft occurs.
The right homeowners’ insurance policy can help you still have a happy holiday, even if others try to take it away. No matter what your current policy, it is important to speak with your representative to know what you are covered for and how you can better protect yourself and your home. Knowing whether your belongings are covered can be all you need to ensure a happy holiday season.
For more information, visit www.carlisleins.com.
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