Expert Advice from our friend Pearl Rankin, Nationwide
A home burglary occurs approximately every 15 seconds in the United States. The FBI’s Uniform Crime Reporting Program estimates that property crimes in 2015 resulted in $14.3 billion in losses. There were a total of 7,993,631 property crimes in the nation for 2015; of those crimes nearly 20% were burglaries. Insurance companies know that a home with a security system is less likely to be involved in a property crime; about 30% of private homes have a security system and those that do not are 2-3 times more likely to be broken into.
Many security systems are able to monitor doorways and windows, the most common entry point for a burglar or thief. Certain systems also have motion sensor options available and smart phone/online monitoring, allowing you to check your home during different times of the day. Most burglaries occur between 9 a.m. and 3 p.m., having a feature that allows you to check your home at the first sign of suspicious activity greatly reduces your chances of suffering a major loss.
Most insurance companies provide a discount for having a security system because it does reduce the chances of your home being the target of a burglary, but also because it can reduce the damage total from both burglaries and fires. The best discounts are provided for systems that monitor both fire and burglary; however they will give a smaller discount for systems that do at least one of the two.
5 ways to help protect your home from thieves:
- Home security system – Deter thieves with noise or an automatic call to the police.
- Proper outside lighting – Thieves may choose to bypass a well-lit home.
- Strong exterior doors – Solid wood or metal provides stronger protection against break-ins.
- Block windows for the basement or locked window well covers – Use these to keep thieves from seeing or entering your basement.
- Locks for pet doors – Make sure your pet door isn’t a point of entry for a thief.