While You’re Away: Do’s and Don’ts for Home Security

It’s that time of year again; summer vacations and long weekends cannot come soon enough for most people. Before you pack your bags and leave your home, follow these safety tips to prevent break-ins or other issues when you’re gone.

 

  1. Avoid posting photos or check-ins on social media

    Although it’s tempting to share your latest status and induce FOMO on your friends, wait until you’re back home before telling the world that you and your entire family are 500 miles away.

    pexels-photo-452738

  2. Close blinds and curtains

    Deter would-be burglars by making it difficult to see inside your house. If they aren’t sure whether someone is home or not, the chances of breaking in greatly diminish.

  3. Turn on lights or use timers

    Plug-in timers are by far the best option, since they can be set to “random” on a time schedule. If you don’t have a timer, leave on a few small interior lights and perhaps one exterior.

  4. Leave on a radio or TV

    Choose your favorite channel and leave it on a medium-level volume.

  5. Ask a friend or neighbor to check in

    Find a trusted friend to check on your house or grab your mail while you’re gone. If you get newspapers delivered it’s a good idea to get them picked up rather than piling on the driveway like a neon “No One Is Home” sign.

    pexels-photo-1166415

  6. Do a final walk before leaving

    Ensure everything is unplugged, the stove is off, and consider turning up your thermostat a bit to save energy and money!

Unfortunately break-ins happen everywhere, but following these tips will help make your home as safe as possible while you’re away vacationing.

pexels-photo-386025

Real Talk: You Need Renter’s Insurance

Thinking of skipping or canceling renter’s insurance in order to save money? Think again!

Renter’s insurance is the #1 most important coverage for anyone who is not already covered by homeowner’s insurance.

Let’s say it again for the folks in the back: If you do not own your current living space, you need renter’s insurance.

“What’s the big deal?”

Unless you personally have homeowner’s insurance or are legally married (not just engaged) to someone with homeowner’s insurance, your personal items are not covered by an insurance policy. Meaning, if there is a flood, fire, tornado, accident, or Act of God of any kind, your items are gone forever and you’ll pay out of pocket to replace them.

Your landlord’s insurance policy only covers the actual building and any appliances/features owned by the landlord in your rental space.

firefighter

“Doesn’t it cost a lot?”

No. The average policy is around $15 per month ($180 per year), and now there are new companies like Lemonade boasting rates as low as $5 per month. Even if you underestimate the value of ALL your personal belongings in your living space, the cost is no comparison (Think: Computer, phone, clothes, shoes, dishes, furniture, etc.).

Your car insurance company usually also has renter’s insurance, which can help you save money by bundling policies.

cash in hand

“Doesn’t it just cover my stuff?”

No. If your policy includes liability coverage (and you should definitely have it), you are covered if a guest gets injured in your apartment or if you accidentally burn half of your kitchen down attempting your own cooking show. Your out-of-pocket costs can escalate quickly if you have to repay any medical bills, legal expenses, and/or repair costs.

phone computer

Bite the bullet and get renter’s insurance now. Tree falls through your roof? Covered. Pipe bursts in the winter? Covered. Break-in? Covered.

Your future self and wallet with thank you!