4 Ways to Make Your Home A Safe Haven

grand prairie home insuranceNo matter what our daily tasks may comprise of, be it going to school, working at the office, or simply doing errands, there’s always the time of day when we feel the need to be in our homes, cuddled up by the fireplace or drinking tea by the porch. There are big and small ways on how you can ensure your home will feel like the safest haven. Installing a security and alarm system, having it insured with known companies such as grand prairie home insurance, and even simple decisions such as choosing the best lock sets for hardwares. These can all make your home secure as possible. Let’s look at ways on how your home can be the most comfortable and secured haven:


  1. Do not thrift on hardware

Like it or not, windows seals, door knobs, and little pieces you choose for your house plays a vital role in security. Your home can be accessed through these small components and so it is important that we don’t compromise with hardware. Investing on high-end hardware for cabinetry and dressers may also work because if by any chance a burglar was able to intrude, it would take additional time for him to gain access to your belongings. Remember that once a window is opened, your house becomes vulnerable- letting burglars in and unlocking doors.


  1. Consider a security and alarm system

Not everyone is equipped with an alarm system, but if ever you do have the extra budget for an installation, then I suggest you go right ahead. There are a variety of systems that can be installed, each one depending on your need and preference. If you stay at home or pack bags frequently, nothing can be a safer haven than a house with installations. This little investment can go a long way as alarm systems usually last a couple of years. Plus, when you’re leaving or going out of town, you’re mind is at ease.


  1. Remove the warnings

Our front lawn sometimes serves as an advertisement area or a warning zone. We provide it with signages about our security and alarm systems, and even sharing that we have a dog. The thing is, you’re basically making the robbery easier by informing the public that you have security measures installed. In some cases, burglars have already discovered the weak points of the system you have installed and therefore it makes it easier for them to break in. Another thing is, announcing that you have a dog ruins the chance of the burglar being caught off guard. They say that less is more, and with a house its true.


  1. Insurance

Insurance provides protection in worst cases. Consider your home insurance as a safety net when a calamity or a theft happens. It can fund your needs when starting over and nothing can be better than that. Even if you are left with no home to look back to, insurance gives you something to look forward to.

Making the home a safe place is every family’s concern. It is where we take off our shoes and leave our worries upon entering its doors. We should not take security measures lightly, and always be vigilant.

Tips On Lowering Your Home Insurance Premiums

Insurance is a type of risk management business and your insurer calculates your insurance premium based on the assessed risk that they have over the items you are trying to insure.  Take for instance your home.  If your home has many assessed risk issues, then the home insurance premium calculated by your insurer will be much higher as opposed to not having any risk issues at all.

This is the very reason why when getting home insurance, you should be smart and try to remove all risks involved that the insurer will likely construe as something they may have to pay for on claims later on.  If you do not have any risks involved, the insurer will deem that they have very little risk with you and thus lower your home insurance premium.

The thing is, how do you exactly do this – lower your assessed risk?  As mentioned earlier, you should take note that your insurer calculates your premium based on their assessed risk with you.  There are two ways on how you can overcome and succeed with their risk assessment of your home:

Make your home safe – if you own a big dog that is not really a cherished pet in the family, try to get rid of it.  Big dogs that are of the biting kind are risks for the insurer and may even deny you insurance if you own a big dog in the property. If you have a swimming pool in the property, then this is another assessed risk as drowning of little children can become a means to make claim.  This assessed risk can easily be lowered by constructing a gated fence access to the pool area.  By removing easy access to the pool area, you create a lower risk for your insurer.

Make upgrades – one of the reasons you buy insurance is to protect your home from the loss coming from theft.  By making necessary upgrades like replacing your door locks and window locks with more robust and secure mechanisms, you will have a more secure property that cannot be easily penetrated to by burglars.  Aside from replacing lock systems, try installing round-the-clock surveillance system.  The security cameras installed act not only as deterrents for would-be burglars, but the footages they take also acts as video evidences of the breaking and entering of burglars into your property.  Nevertheless, the installation of a surveillance system in your property will definitely help lower your home insurance.