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.

Principles Of Insurance – The Insurer’s Means Of Reducing Risk

For insurance companies, there is really no way of protecting themselves against fraudulent claims created by certain individuals.  As a means of protecting themselves and reducing their risk at the same time, insurers have come up with the ‘Principles of Insurance’ so they can combat any unnecessary risk their business may come into.  Overall, insurers have come up with six principles to which they abide.

Utmost Good Faith –within this principle, it is construed that both parties are in utmost good faith with each other when entering the contract.  Therefore, it is the responsibility of the client to practice honesty and disclose all facts and information regarding the item they are trying to insure.  Failing to do this will result in misrepresentation or fraud and will most likely lead to the cancellation or termination of the insurance policy.

Insurable Interest –within this principle, it is important that the individual or entity insuring the item has interest over the insured item.  If the insurer bears no real interest in the item being insured, the insurer will deny issuing any insurance policy over it.  In order for the insurance policy to be valid, there should be insurable interest when purchase of the insurance policy is made.

Indemnity – within this principle, the compensation for loss or damage of what has been insured will only be under appropriate amounts and with which the amounts compensated will not exceed the economic loss of the insured.  Once loss or damage has been substantially given claims, it will be construed that the item incurring damage or loss will be reinstated at its pre-damage or loss condition.

Proximate Cause – within this principle, the coverage provided will only contain predetermined perils and not others.  If you have home insurance that covers hurricane and wind damage, it is construed that you will not be covered for damages incurred by flooding as that is another type of home insurance coverage.

Subrogation – within this principle, if a third party deals some damage to your property that has been insured, the insurance company will pay for the claims made but will sue the third party for monetary damage it has caused the insurer as means of compensation.

Contribution – within this principle, if you possess a policy with different insurers, the principle states that the claims given to you will be shared by both insurers.  Under this principle, you cannot collect from both insurers even if you have paid for the premiums on both insurers.