Ensure Blog

Home Security: Is It Worth The Added Expense?

0072ca_4b6d259ee07e44b7bf2fb2241718dffc.png_srz_p_304_200_75_22_0.50_1.20_0In 1960 the population of MD, DE and VA combined was 7,513,930 with 114,641 instances of property crime (involves the taking of property, and does not involve force or threat of force against a victim). In 2012 the population of MD, DE and VA combined was 14,987,522 with 369,655 instances of property crime. At first glance we are inclined to believe that we have more crime now than in the 1960’s. But if we look at growth rate and factor in the percentage of crime rate to population, we can see that the crime rate is the same for 1960 and 2012 at 2%.

 

So, what can we defer from these numbers? Simply that in 1960 home security systems where still in their infantile stage making home break-ins easier. In today’s market, alarm systems have become very sophisticated and are proven to thwart would be thieves, yet the percentage of property crimes are still at 2%. Why? It’s probably safe to assume that thieves are targeting the houses with only locks and bolts instead of the high tech security homes.

Your home safety is important to you and due diligence will help you make the most of your investment and ensure your home remains safe and comfortable. Homes without security systems are about 3x as likely to be broken into than homes with security systems.

Favorite items:

  • cash
  • jewelry
  • electronic equipment
  • silver
  • guns

Every 14.6 seconds, a burglary takes place in the US.
Average loss per burglary: $1725

Burglars are generally lazy individuals who don’t want to do more work than they have to. Burglars would prefer just opening an unlocked door or crawling in an open window rather than picking a lock or breaking the window. So, as a homeowner, start thinking like a thief.
To start, go out and look at your house from the front, the sides, and then the back of the home. While doing this think of all the ways you, as a pretend mastermind burglar, could break into the house. For instance, are there trees or shrubbery around the windows? Are there dark places for the burglar to hide? Are there even easier places to break in?

These are easy ways to reduce the potential burglar from robbing you:

  • Be sure doors and windows are locked
  • Don’t leave spare key hidden outside–under a rock or on ledge above the door
  • Don’t leave empty electric, electronic boxes out for garbage pickup
  • Lock up your home, even if you go out only for a short time.
  • Many burglars just walk in through an unlocked door or window
  • Change all the locks and tumblers when you move into a new house.
  • Conceal all wiring. A professional burglar looks for places where they can disconnect the security system.
  • Your house should appear occupied at all times.
  • Use timers to switch lights and radios on and off when you’re not at home.
  • If you have a faulty alarm that frequently goes off, get it fixed immediately and tell your neighbors that it’s been repaired. Many people ignore an alarm that goes off periodically.

    A spring-latch lock is easy prey for burglars who are “loiding” experts. Loiding is the method of slipping a plastic credit card against the latch tongue to depress it and unlock the door. A deadbolt defies any such attack. It is only vulnerable when there is enough space between the door and its frame to allow an intruder to use power tools or hacksaws

Having a home security system has it perks, but there are additional monetary perks you may not know about, like major homeowners Insurance discounts. You can get an insurance discount for having a home security system

The reasoning is obvious, if you are securing and monitoring your home, the insurance company has less to worry about. Monitored security systems lessen the likelihood of your home burglarized or damaged by fire. This reduces the chance you will file a claim. Since this saves the insurance money, they pass the savings on to you. Being a conscious homeowner of your own security, Insurance companies want the responsible consumer so they will entice you with discounts to maintain your account.

Allstate and Passarell Insurance Agency work together to deliver homeowners discounted rates for those who install and maintain a security system. Contact one of our Insurance Architects today to ensure your home is covered from theft and you have all the discounts possible.