Insurance will generally cover the losses, but that doesn’t change the fact that experiencing a break-in can be a traumatic experience. Your mind races at frightening possibilities, how the situation could have been far worse. It’s not about the lost property or the broken window; it’s about feeling that you’ve been victimized, taken advantage of. Insurance is a great plan B, but we need a plan A that’s all about prevention:
Burglars Tend to Avoid Homes with Security Systems
Just having a security system in place makes it far less likely that you’ll have to deal with a break-in. Burglars are, above all, opportunists. More often than not, they’ll take the easy score over the lucrative one.
You Are Most Vulnerable Around Noon
Few burglars actually do their work in the nighttime. The whole family is home at night. Burglars tend to strike between 10 am and 3 pm when people are at work and school.
Unlocked Doors and Windows are Your Chief Concerns
Again: Burglars are opportunists. A broken window makes noise and draws attention. Walking into an unlocked front door looks inconspicuous, which is why that accounts for about a third of all break-ins.
Someone Is at Home in Three Out of Ten Burglaries
This means that being at home is not a guarantee of security.
Just One in Ten Burglaries Result in Arrest
Meaning that you can’t necessarily trust that the perpetrator will be caught or that your belongings will be recovered.
So what can we do?
- Check your windows and doors when leaving the house. Make sure everything is locked up.
- Invest in a wall safe for irreplacables, such as family heirlooms, important documents, etc. Statistically speaking, a typical burglar is trying to get in and out in ten minutes or less, and they’re generally not going to have time to mess around with a safe.
- Know what they’re looking for. In the movies, it’s cash, jewelry, silverware, etc. In real life they will grab that stuff when they find it, but what they’re really after is often liquor, medication, and most critically: personal documents. Selling off stolen jewelry is harder than it looks in movies, but there’s a thriving market for credit card numbers and personal information, and those are losses not as easily covered on a homeowner’s insurance policy.
- Consider a surveillance system. Video cameras are getting cheaper and cheaper, and the image quality is getting better and better. Catching a crook on camera is your best chance of bringing them to justice. Having a camera pointed at the street can help to capture their vehicle, as well.
West Des Moines and Mason City, IA isn’t nearly the most dangerous cities in the country, but we have our share of problems just like any community. Insurance can help you to cover the material losses suffered in a robbery, but as they say, an ounce of prevention is worth a pound of cure. The truth is you probably don’t need to lock your home down like a fortress. The mere presence of basic security measures will considerably reduce your odds of being victimized by a burglar.