Tag Archives: protection

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Don’t Make These 7 Silly Security Mistakes

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Regardless of whether you live in a rural or urban area, burglaries happen. In 2017, on average, a burglary occurred every 18 seconds in the United States. You can avoid being part of a statistic by avoiding to make these seven silly security mistakes.

 

House keys outside

Leaving A Spare Key Under The Door Mat

Even an inexperienced burglar has seen enough cartoons and movies to know that many people leave a spare key to their house under the front door mat. If this is where you hide your spare key, it’s probably best you look for a better spot.

 

Ladders in backyard

Leaving A Ladder In The Backyard

If you own a ladder, keep it locked in your garage or in your basement. Most people don’t secure the top floor of their house as well as they do the ground floor, often forgetting to lock the upper windows. If you allow a burglar the opportunity to reach the second floor of your house, you may end up paying for it.

 

dark porch light

Having Limited Light Around Your House

A well-lit house is a secure house. A burglar is less likely to rob your house if they think someone will see them. If you have a singular spotlight pointing toward your driveway, that isn’t going to be enough. Outside lights around your doors will deter a burglar from breaking in.

 

Forgetting To Lock Windows And The Garage Door

Typically, as soon as you enter your house, you lock the front door behind you. Right before you go to bed, you most likely will lock the side or back door as well. However, many forget to lock their windows and garage door before heading to bed.

 

Full mailbox letters

Forgetting To Stop The Mail

If you’re going on vacation, be sure to either stop the mail to your house or have a neighbor pick the mail up for you. If a burglar is walking past your house and sees a stack of mail outside, they might pick up on the fact that you’re not home. This is an open invitation for burglars to break into your home.

 

dog

Relying On Your Dog To Keep You Safe

Your dog isn’t guaranteed to attack or even bark if an intruder comes in the house (unless it’s a squirrel, perhaps). There are many other home security measures that are more reliable than our furry companions. Be sure to take additional measures to keep your home safe.

 

social media apps

Posting About Future Plans On Social Media

You’re probably taking tons of pictures and having a great time on vacation, but don’t post it on social media. Intruders may be looking at public social media posts to find potential leads on houses to rob. Save your excitement until you get back, then you can post all the pictures you want — risk free!

 

You can be as safe as you want, but sometimes things happen. When they do, make sure you have the proper insurance. At Yetter Insurance, we can help you with the proper policy to ensure peace of mind.

 

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Insure your expensive holiday gifts with Yetter Insurance Agency

‘Tis the Season to Insure Your New Gifts

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It’s that time of the year again for gift giving. If you know someone that made Santa’s nice list, or if you’ve been extra good this year, then don’t forget to insure your extra special gifts—from computers and jewelry to vacation packages and more. Many people don’t think about getting insurance on these gifts because they automatically assume their homeowners insurance will cover it, but that’s not always the case.

If You Give an Extra Special Gift

If you are giving someone an expensive gift this year, first consider your own insurance. Anything can happen from the time you purchase the gift until it’s safely under the tree. Suppose your car gets stolen with the gift inside while you’re at a gas station. Don’t assume your car insurance will cover this. You need to have what’s called off-premises theft coverage on either a homeowners or renters insurance policy for that gift you just purchased to be covered. Here’s another scenario: say you left the gift sitting in the attic of your house to hide it from the kids, and you end up having a house fire. Then what? It’s your homeowners or renters insurance policy that would cover you. The gifts are your property until you give them away.

If You Get an Extra Special Gift

The insurance coverage all depends on what kind of gift it is:

Jewelry

Jewelry is considered a valuable item that can be stolen at any given time. Many insurance policies have a relatively low liability limit for theft. There are three options when it comes to insuring jewelry.

  • Purchasing a jewelry rider will protect each individual piece of jewelry you own against damage and theft. Make sure each valuable piece of jewelry you own has an itemized value listed in the policy so there is no conflict if you have to make a claim. Keep all of the assessment paperwork with your policy.
  • You can increase the coverage for your jewelry by raising the limit of liability coverage. Raising the amount of liability coverage is the most cost effective option, but the amount you can claim for an individual item may be limited.
  • You can purchase floater policies for the jewelry, which can be more expensive, but provides broader protection.

Home Office Electronics

This is a huge area that is commonly underinsured in most homes. Make sure you tell your insurance agent about any expensive computers, TVs, stereos, game consoles, printers, or other devices, and see what coverage you currently have. Also, find out what type of protection is afforded by your homeowners or renters insurance policy before you have to make a claim.

Vacation Package

Travel insurance is a way to help ensure that you can be protected in the event of a flight cancellation, or any unforeseen costs while traveling. Travel insurance can even protect you in the event that you have to cancel your trip entirely. When you purchase travel insurance through Yetter, we can provide coverage for overseas medical expenses including emergency evacuation.

Talk to your Yetter Insurance agent about insuring these extra special gifts this year. We’ll help make sure you get the right coverage at the best rate. Contact Yetter Insurance today at our Milford office—visit www.yetterins.com or call 570.296-8329.

 

h/t: http://blog.equifax.com/insurance/must-have-insurance-policies-for-expensive-holiday-gifts/


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