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Summer is a time for vacations, family gatherings, and outdoor adventures. While you're away soaking up the sun, your home may be more vulnerable to burglaries. Criminals often take advantage of the fact many homeowners are on vacation, leaving their homes unoccupied for extended periods. Burglary insurance, often included as part of a comprehensive homeowners insurance policy, can help you recover your personal items and give you peace of mind while you enjoy your vacation.
The Summer Burglary Spike
Statistics show burglaries tend to increase during the summer months. The combination of warmer weather and school vacations leads to more people traveling, leaving their homes empty and more attractive to thieves. Here are some reasons why summer is peak season for burglaries:
Unoccupied Homes, Longer Days, and Visible Signs of Absence
Vacations and weekend getaways mean homes are often left unattended, providing an easy target for burglars. Extended daylight hours give criminals more time to operate under the cover of early morning or late evening light. Accumulated mail, uncut grass, and dark houses at night signal to burglars that no one is home. All three of these factors can show your home is an easy target.
What is Burglary Insurance?
Burglary insurance is designed to protect your personal belongings in the event of a break-in. It typically falls under homeowners or renters insurance, which provides coverage for your home and personal property against various risks, including theft. Here’s what burglary insurance generally covers:
- Personal Property: Items such as electronics, jewelry, furniture, and clothing.
- Cash and Valuables: Cash, rare collections, and other high-value items, though they might have specific coverage limits.
- Damage to Property: Repairs for damage caused by the burglar during entry or exit.
Tips for Preventing Summer Burglaries
While burglary insurance is essential for recovery, taking preventive measures can reduce the risk of your home being targeted:
1. Install Security Systems
2. Use Timers for Lights
3. Secure Doors and Windows
4. Hold Mail and Packages
5. Inform Trusted Neighbors
Summer vacations should be a time for relaxation and fun, not worry about home security. By understanding the risks and securing adequate burglary insurance through your homeowners or renters insurance policy, you can protect your personal items and have peace of mind. Combine this with preventive measures to keep your home safe, and you can fully enjoy your summer knowing that you're well-protected.
Need help? Contact the team at Northern Insuring Agency. Our professionals can help you figure out which personal insurance policy will be the best option to help you keep up with the ever-changing world we live in.
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