TRENTON, N.J.—Insurance is usually the last thing on people’s minds, especially
right after the holidays. You’ve already spent so much on gifts, the last thing you probably want to do is spend more money.
A typical homeowners (including renters and condominium) policy include coverage
for your personal property. Loss due to theft is generally included as part of the personal property protection says the Professional Insurance Agents of New Jersey State.
Burglars are unpredictable, but there are several ways you can protect yourself and your home, says PIANJ. They include:
- Start a Neighborhood Watch. A neighborhood watch is run by neighbors and is intended to stop crime in the neighborhood. “This system is a great way to keep your neighborhood safe. Multiple sets of eyes mean fewer chances for them to steal from you,” says Lloyd ‘Rip’ Bush Jr., CPIA, PIANJ president.
- Invest in a security system
Give yourself peace of mind with a home security system. Options can vary from indoor or outdoor security cameras (without monitoring services) to well-reviewed security systems.
- Don’t broadcast on social media
Vacation is exciting, but don’t showcase your absence on social media—you never know who is watching.
- Make your house looked lived in.
When you’re out of town, make sure you put a hold on your mail. Put your lights on a timer, or ask your neighbors to intermittently park in your driveway.
- Don’t open the door to strangers
Don’t feel obligated to answer the door—especially if you don’t know the person.
- Close your blinds
Leaving your blinds raised opens up your home to passersby and therefore thieves.
- Use motion sensitive lights
Burglars want to go undetected. Motion sensitive lights can prevent that from happening.
- Always lock your doors and windows
An unlocked door or window can be an open invitation. You also can outfit your windows and doors with motion sensors.
“While there’s no absolute way to prevent a burglar from checking out your house, remaining aware and taking precautionary measures will help protect your home and family in the long run,” says Bush. “So whether you choose motion sensors, or a monitored home security service, you’ve made the effort to protect your home from thieves. Call your professional independent insurance agent to go over your options and decide on the best policy for you,” said Bush.
Working with a Professional Insurance Agent offers you a choice of insurance products from a variety of carriers; shops for the best insurance coverage for you; gives knowledgeable and objective advice on complex insurance decisions; and lives in your community and supports local efforts. Look for the PIA logo to find a professional, independent insurance agent.
PIANJ is a trade association representing professional, independent insurance agencies, brokerages and their employees throughout the state.