Posts Tagged ‘Burglary’

On Home Owner Insurance – Don’t Overlook These If You Want Cheaper Rates

January 8th, 2011



Are you interested in proven steps to get cheap home owner insurance rates for coverage that won’t put you in trouble later? Then read through and apply the following sure-fire time-tested steps to getting better home owners insurance rates…

1. Window locks on all windows will help you save since they reduce your home’s risk of burglary. You can take this to another level by building in burglary-proof bars on all your windows. If you are NOT against this quickly fix them in your home and enjoy lower rates.

2. There are security and fire systems that are monitored 24/7. Not only will you get a considerable discount, you will as well feel safer once you remember that your house is constantly monitored. This can lower your premium by more than 25% depending on your insurance provider.

3. Install smoke and fire detectors. You will attract lower rates especially if you have fixed enough for your size and type of home. And, don’t forget to change their batteries as stipulated by the manufacturers.

With these fires will be noticed on time and put out more easily before they can do any serious damage. This attracts a lower rate because it means that the risk of a fire damage is lower.

4. Make out some time to visit not less than 5 insurance quotes sites that return quotes on homeowners insurance policies. It will require around 25 minutes. While you visit each site, make sure you give the same details. Doing otherwise will produce misleading results. After you’ve obtained your homeowners insurance quotes, compare them to determine which serves your interest best in price/value.

Home Insurance – Security Ensured

July 28th, 2010



Home insurance, without any doubt, can be termed as the most important service for the mankind. It is not difficult to understand why. One of the desires of people that has always made them restless has been to own a house. A desire that always existed in all times and ages but was so difficult to realise. Not anymore though for emergence of several financial institutions have ensured that people are never short of a housing loan and that too at a very friendly rate to realise this ultimate dream of theirs. No wonder modern times have seen quite a few people who have realised their dream of owning a house at an incredibly young age then their counterparts couple of decades earlier. However, if by owning a house one thought that he has tided all the uncertain times then he is in for a shock. For one major issue is still left to be tackled. The protection of the house.

Yes, your dream possession faces threat from some very potent enemies like fire, earthquake, storm, lightning, flood, theft, burglary, riots, vandalism, fire, explosion, subsidence, burst pipes, civil upheaval, water leakage, oil leakage, impact from vehicles, falling trees, air crafts etc. These are very potent threats and can really damage your house. And one would agree that in this era it is extremely expensive to spend even slightly on unplanned expenditure. And when one has to spend on the repair of the house then the expense involved can be easily understood. It would not be an overstatement to say that such and expenditure can be ruinous for middle class families. It is here that home insurance comes for one’s rescue and ensures that one is spared from the trauma of arranging money for the repair as it would be the insurance companies that would be doing that.

However, to gain from home insurance one would do well to take care of a few things. First of all one must ensure that the policy comes to life as soon as it is signed. Then it should also be ensured that the house is priced fairly. In addition to this one should also ensure that no wrong information is provided to the insurance company as well as the fact that there is no default on monthly premiums.

These precautions would go a long way in ensuring that one’s decision to opt for home insurance reap rich dividends.

Security Systems Information – Types of Security Gadgets, Use of Home Security Systems, Tips to Buy Security Systems for Commercial Premises

July 14th, 2010



A burglary takes place in the U.S. every 14.6 seconds according to the Uniform Crime Reporting Program Crime Clock. Burglary, which is defined as the unlawful entry of a structure to commit a felony or theft is one of the commonest crimes in the US. It is categorized into three sub classifications: forcible entry, unlawful entry where no force is used, and attempted forcible entry. Of all burglary offenses in 2005, 65.8 percent were of residential structures.

One survey in Pennsylvania showed that 81 percent of residential intrusions occur through the first floor. A study in Connecticut showed that 12 percent of burglaries occurred through an UNLOCKED door and that in 41 percent of alarmed homes that were burglarized; the security system was not turned on.

So what do all these stats and figures tell you?

When it comes to protecting lives and properties, you can’t just let luck play as it pleases. Homes without security systems are nearly three times more likely to be broken into than homes with security systems. Due to an increase in crime, it has become very necessary to protect your home with the best security systems.

In past, people relied on other means of monitoring their home’s security, like the watchdog. But now, why opt for a dog when you can get a much more effective electronic watchdog? An electronic watchdog is basically, a motion sensor device that can detect movement and alert you in the form of a barking dogs sound.

Finding a good home security system is of paramount importance today. You need to look no further than the headlines of the latest daily newspaper, television broadcast or Internet news site to read about horrific home invasions and violent crimes that might have been forestalled by a home security system.

But the multitude of choices in the market today can be overwhelming. How does one make the right choice? When choosing a home security system, decide on the level of protection you want, make sure the system being offered meets your needs and don’t be afraid to ask questions to your home security system provider. It will only increase your knowledge and understanding of the system.

 Let us now take a quick look at the myriad security devices available in the market today.

The features your home security system offers should be the main point to consider when selecting a system to protect your home. Also one must know his home structure more than anyone else – the materials used in building the house, the entry ways, and the intruder-prone areas. Today, a home security alarm, and preferably a monitored home alarm system, is needed to ensure your home’s security. A voice alert system is a perfect alternative for a shrill sounding alarm. You can customize the message and record it and then when need arises, you will be informed by that voice alert system in the form of your own recorded message. The camera has evolved into one of the greatest security devices of all times. There are different types of wired cameras or wireless cameras which are used for the security of home or commercial premises like dome cameras, bullet security cameras, network cameras, hidden cameras. The camera security system is the most reliable security system. Nowadays counterfeiting currency notes has become a very easy task. The counterfeit money detector detects a fake currency note and sounds an alarm when it detects one. It can be a wonderful addition and protect your business from being forged or cheated. Driveway alarms can detect and inform of the presence of the intruder before he gets too close to your home. The driveway alarms can be of different types like the metal detecting probe which can detect the arrival of large metallic objects (vehicles) and the motion sensor which can detect any movement within the protected area. The intercom systems also play a vital role for the security of your home. You can speak to the visitor before opening the door and decide whether to allow the entry or not. The moment a visitor presses the door chime, the camera gets activated and the image is displayed inside on a monitor. The occupant can then control the door remotely and grant or deny access.  Nowadays, there are also many kinds of security locks introduced like garage locks, mechanical locks, and keyless locks etc. which are operated by remotes. You definitely need a security system if you have a swimming pool at home. A swimming pool alarm system is one of the best ways to ensure that you are informed about any and every incident that happens in the pool when you are not around. It is like a silent force field within your pool that will notify you about any object that falls into the pool.

Security-facts.com helps you in choosing security system for your home as well as commercial space. The most commonly used security system for commercial premises are the security cameras, intercom systems, counterfeit money detectors, security mirrors etc. Security-facts.com informs and educates you about the huge and vastly complicated world of home security gadgets and gives you tips on buying security system for your home or commercial premises.

Adt Monitoring Surveillance Cameras

May 10th, 2010



Today surveillance cameras are used in every household. This can help to overcome domestic violence or any kind of break-in which might disturb us. There can be unfortunate times when our children can be at a greater risk when they are alone at homes. Not only this, the domestic help working at your house can also encourage someone to rob your house during your absence.

These security cameras help the owner to gain additional information about the breakthrough or about any kind of burglary. The images are recorded in the database which provides adequate information regarding time elapsed, date and day and also the image of the intruder or a burglar.

These ADT monitoring cameras are connected to your PCs or Laptops through which the owner can now see the happenings in his house even if he is spending is on a holiday some where in Hawaii. ADT security services also provides a system with up to 12 indoor or outdoor color cameras that can be viewed by using a web-enabled PC, Laptop, cell phone or the user can also use his TV to view the happenings in the house.

The ADT monitoring cameras lets the owner know about

An Uninvited Guest: The ADT monitoring camera helps the owner to see who’s at the doorsteps before even the owner opens his door.

Confirmation: The surveillance cameras also allow the parents to see and confirm that they children have arrived safely home from school.

Monitoring Your Child: The parents can now watch their child playing or crying while they are still busy working around the house.

Keep a Close View: The owner can now have a close look on his home and his premises while he is working in his office or is away on a vacation or a business tour. He can keep his watch through his Laptop or through his phone.

Email Alerts: The owner can now receive email alerts on his phone or his PCs at the initial steps of the trouble that takes place in his house.

View Video through Web: The owner can now view the incident that strikes his house through his web enables cellular phones or through his PDA.

Triggered Events: The surveillance cameras can record up to 30 seconds of each triggered event that might take place at your home.

Saving: The owner can now save up to 30 days of continuous activation with a DVR service.

These security cameras can easily be installed without even using the cables or wires, the owner can mount them at any place by using couple of screws. The surveillance cameras are also available in night vision mode and infrared sensors that enables the user to see through pitch-dark situations with clear video quality. These cameras are built to withstand and work even at high intensity climatic conditions which could be freezing cold or high temperature heat.

The ADT monitoring cameras come with screen touch facility where the user can roll down his fingers to gain information about the happening in his house. The images are recorded digitally which gives a clear view about the break-in in the owner’s house.

Home Insurance- Inclusions and Exclusions

April 23rd, 2010



‘Your Home’ is the most prized possession you have, not only in terms of money, but also because it cocoons you and your family from the outside world. Would you not want that the place that havens you and your family should be protected well?

Here, we are not just talking about using fancy security systems or hiring security guards, to think that your house is protected entirely against threats but a financial protection against unforeseen risks. Home insurance can be a fairly comprehensive option to cover your house (structure) and its contents against various threats like fire and its perils, natural calamities and a few man-made calamities as well. The contents of your house could also be insured against burglary and theft, or mechanical breakdown.

There are things that a home insurance policy covers; and others that it does not.

THINGS COVERED:

*      Fire & allied Perils – protects you against fire and its associated perils that might happen due to:

o            Natural calamities, such as fire, lightning, earthquake, landslide, rockslide, flood, inundation, storm, tempest, typhoon, hurricane, tornado, or cyclone.

o            Man-made calamities, such as domestic gas explosions, overflow and bursting of water tank or pipes, damage caused by aircrafts, riots, strikes, malicious or terrorist acts.

*      Burglary & housebreaking – provides for damage to your house and the financial loss you suffer due to burglary. You can also get cover against damage caused by falling trees, electric poles or lampposts, collapsing aerials or satellite dishes, as well as damage caused by civic authorities while fighting fire.

*      Jewelry & valuables – cover against accident or misfortune anywhere in India for valuable items, such as jewelry, gold, silver, and other precious metal items, watches, clocks, photographic equipment, video cameras, telescopes, microscopes, music instruments, and sports equipment.

*      Plate glass – provides cover for breakage of fixed glass and sanitary fittings, including cost of frame, painting etc.

*      Breakdown of domestic appliances – Provides cover for damage to domestic appliances, such as refrigerators, washing machines, air-conditioners that might occur due to accidental electrical or mechanical breakdown.

*      Breakdown of electronic equipment – Provides cover for loss or damage to electronic equipment by accident or misfortune.

*      Pedal cycle – provides cover for loss or damage to your pedal cycle against accident (including fire and its allied perils), burglary, and third party legal liability for accidental injury, death, or property damage.

*      Baggage – provides cover for loss or damage of any baggage belonging to you and your family due to accidents while travelling anywhere in India/world. However, it excludes money securities, gold and silver ornaments, travel tickets, cheques, share certificates, and consumable goods.

*      Personal Accident – protects you and your family members against accidents and violence, leading to bodily injury, disablement (permanent or temporary), or death. Some companies also provide for the educational expenses for a maximum of two dependent children.

*      Public Liability Risk and Workmen’s Compensation Risk – Protects against liability to the general public and your employee for accidental death, bodily injury, or property damage.

Most of the insurance companies make it mandatory for one to purchase at least two to five sections of the householders’ insurance policy – along with the Fire and Allied Perils section being compulsory.

THINGS NOT COVERED:

*      Deliberate destruction of property

*      Loss or damage caused by war, wear and tear, atmospheric conditions etc.

*      Losses if home has been unoccupied for more than 30 days (but few insurer do provide cover)

*      Loss of cash, bullion, painting, works of art, and antiques

*      Loss to the structure and/or contents of home due to acts of terrorism. (can be covered as an add-on)

What is covered and what is not is can also depend upon the kind of product and the company that you choose for your home insurance. To give you maximum cover against all odds, you could add on riders to your basic home insurance product (at an additional cost) that includes options varying across:

*      Terrorism cover

*      Debris removal cost

*      Costs incurred to comply with building regulations following damage

*      Professional fees towards architects, surveyors, etc. for superintending a building during rebuilding

*      Cost related to movement of contents of your home to a temporary residence

*      Loss of rent (for landlord)

*      Personal Accident Cover

A home insurance policy usually has tenure of one year and has to typically be renewed every year. Home insurance is a product that helps you secure most of your valuables and helps you replace them in case of unforeseen events and calamities.