They’re always out and about, waiting for the perfect opportunity. A moment of negligence, and they can steal your most valuable possessions. Burglars are a threat to be feared.
The truth is, your home is vulnerable to a break-in. Here are some items that you can take precaution of to prevent yourself from becoming a victim.
1. Jewellery and watches
Jewellery is one of the most desired items on a burglar’s hit-list. Compared to robbing a jewellery store stocking gold, silver and precious stones, robbing your home is a piece of cake. If you have highly valuable family heirlooms or jewellery you don’t use often, it may be a good idea to store them at the bank.
It’s no surprise that cash is one of the top items a burglar desires. If you think keeping them in a safe deposit box will prevent theft, think again. That is where many burglars will look first! Instead, keep large sums of cash in the bank. If you need to keep some cash at home, store it in a discreet location, such as random folder on your bookshelf or your sock drawer, but be sure to remember where you hid them!
Electronics like laptops, iPads and smartphones are highly desired by burglars. These are usually the items that we leave lying around, which makes them an easy target. For extra peace of mind, you could keep your electronics in a safe in your room. You could also install a laptop lock or laptop alarm to make it harder for burglars to steal. Losing electronics can have other implications as they contain your confidential personal information.
Protect your liquor cabinets! Even if a burglar doesn’t steal your expensive wine, he may decide to drink it. If the bad guys weren’t afraid to break a window to invade your home, they probably won’t hesitate to smash more glass to get a drink.
The worst thing you can lose during a break-in is your identity. Credit and debit cards, old cheques, bills and medical records left lying around can put your sensitive personal information at risk.
Believe it or not, some burglars may even rob you of your furry friends. If they don’t, they could still cause harm to your pets through accidental deaths and injuries during a break-in.
7. Art pieces
Expensive art pieces are on many burglars’ wish lists. They are easy to steal and can be re-sold for an immense profit. While it is difficult to ensure that these items won’t be stolen, keeping an inventory can help with an insurance claim if your household gets robbed. You could also keep photos of these items for reference in case you need to file a claim.
How home insurance can protect you in the event of a burglary
If a burglar enters your house through forced entry, you’ll receive compensation through home insurance.
Depending on your insurance policy, you’ll be covered up to a limit for each personal belonging that is lost.
Here’s some extra information to guide you along.
More valuable objects like jewellery, antiques or silverware will likely have lower limits as most home insurance policies have limits for the amount they would cover for expensive items. If you have an array of expensive items in your household, you would need to purchase an additional endorsement to cover them.
How to file a burglar insurance claim
If your home is burgled, this is what you need to do.
1. First, report the incident to the police.
2. Promptly contact your insurance advisor/ company. Many insurance company have a time limit on how long you can wait to file a claim.
3. Document property damage with photographs and videos and prepare a list of stolen items.
4. Preserve damaged items as evidence of burglary. Do not discard, remove or start repair works related to the burglary without consent from your insurance company.
5. Obtain at least 2 quotations should repair or replacement work be required.
No one ever wants to be a victim of a burglary. But when it happens, you can be sure that home insurance will help you get back on your feet. After all, it is more worthwhile to spend a few hundred a year on home insurance than forking out even larger sums for losses caused by theft.