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Did you know that almost 1 out of every 5 homes have been burglarized, and that 63% of all American homes are at risk of a burglary?  When I read this my first thought was “how do I get my home in the 37% of not being at risk?”

I did some investigating and here are some tips or ideas on how to get into the 37%: 

Apartments dwellers are twice as likely to be robbed.  Apartments offer several areas of access for thieves, such as fire escapes and sliding side doors.  Thieves can stroll through the halls of an apartment building with anonymity too.  Apartments are smaller living areas which means a thief has less area to search for valuables.

Close your windows.    Here is Florida, our winter is coming and many people will open their windows as the cooler air arrives.  Remember to close and lock your windows when you leave your home.  Many people forget and leave them open for the day or even while they are on vacation.  Robbers like that!

Lock your doors.  Many people leave their doors unlocked for various reasons.  Some just forget, some are only going out for a few minutes, and some athletic types don’t want to carry their keys on their jogs.  Did you know that 34% of burglars enter the home through the front door?

Invest in an alarm system.  Only 37% of American Homes have an alarm system.  Homes without an alarm are 3 times more likely to be broken into.  If you have an alarm system, make sure you tell your insurance agent as most companies give you a premium credit for an alarm system.

Have outdoor lighting.  Add some motion lighting or outdoor lighting to your home exterior.  Thieves have a hard time hiding in the light, but not the dark.

Get a dog, even a small yappy dog.  Burglars will pass up on your home if they see or hear a dog, even a small dog.  They don’t want to be bothered with the noise of them barking, or in our case, the size of our Great Dane coupled with the incessant barking of our Westie.  Even when we go away, our dogs are home.  We hire someone to care for them while we are away.  Burglars be warned!

If you do get a dog, please remember to let your insurance agent know.  Better yet, consult with your agent before you get a dog.  Some insurance policies will exclude animal liability for aggressive dog breeds.

Please feel free to contact us if you aren’t sure of your insurance policy’s theft limitations.  There are sub-limits for items like jewelry, art, computers and other large value items that should be scheduled in a separate policy.

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