Securing your Home to Secure a Lower Insurance Premium

Research from many insurers and independent watchdogs in Australia has confirmed that those homeowners who ensure that their home is fully protected against burglaries and theft are less likely to claim; resultantly, their premiums are remarkably lower. If you take the initiative to ensure that your home is secure against thieves, you can almost guarantee that you will save money in the long run and can enjoy having the peace of mind that your possessions are safe. Here, we look at some of the best methods for you to prevent being broken into and losing valuable possessions.
A surprising amount of burglars enter the homes they break into through second-floor windows and ensuring that they do not have this chance can lower your premiums. Some of the ways that you can prevent such an event from happening include trying to secure all ladders and heavy ’DIY‘ tools away in a locked shed so your own resources can‘t be used by burglars for theft.

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You need to make sure that your home looks visually appealing, but not in a way that will lure burglars into stealing from you. So – making your property particularly unwelcoming for such company can be a great thing to do. Installing bright lights that work by motion detectors and getting rid of any trees or bushes that a burglar could hide behind should result in a burglar being deterred and avoiding maximum exposure.

Insurers like to see a homeowner that is savvy and one that likes to try and prevent theft on their property. Doors of good-quality metal or wood and break-resistant window panes are a great place to start to make the inside of your home impenetrable. This, when accompanied when purposeful window locks, can insure that you do not get any unwelcome visitors in the dead of the night which could result in you having to claim.

Burglars are not as stupid as you think and many operate locally. They are well-versed in all of the tricks and trades that homeowners conduct that make their home vulnerable to attack and try to exploit these traits as much as possible when they are ’on the job‘. Hiding a key in the garden and leaving notes on your property which say things like ’back in an hour‘ and ’on holiday’ can indicate that you are practically asking for an attack. You need to make sure that your home looks lived in and secure as some burglars go on their first impressions before they decide whether or not to conduct a break-in.

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Even if burglars do access your home, there is one fool-proof way that you can ensure that the most valued of your possessions is protected: get a safe. That way, the items you value most can be protected in all situations, even if somebody light-fingered enters your home. Investing in a safe is a small price to pay compared to the loss of priceless personal belongings.

Some home, buildings and contents insurers will happily grill you on what you do have in place to protect your Australian home from intruders. Being well-equipped and ready for this question by outlining all of the security measures in place can see you get a nice drop in what you have to pay on your policy premiums each year.