Are you making it easy for burglars? Make sure your Minnesota homeowners insurance can provide coverage

You may rely on the protection of Minnesota homeowners insurance if there is a burglary at your home, but don’t forget that insurance only provides financial compensation; it cannot actually prevent break-ins or burglaries.

How vulnerable are you to being the target of a burglar? 

1. Are you careful to lock your house securely when you go out, but more relaxed about security when you are at home? Leaving entrance doors unlocked or windows open can be an invitation to an opportunistic burglar to make a quick raid while you are watching TV or in the shower.

2. Do you have a mutual help arrangement with your neighbors? It’s great to have trusted neighbors who know when you are out of town, collect your mail, take in newspapers, keep an eye on your home, and report any suspicious activity – but many people living in cities don’t know their neighbors.

3. Do you ever discuss your activities while you are in a public place? It’s risky to tell the bank clerk (and anyone else within earshot) all about your vacation plans.

Has this given you pause for thought? One way of avoiding being targeted by burglars is to become more security-conscious. Another way is to install a home alarm system.

Burglar alarms can deter burglars; even seeing a decal that advertises that your home has a burglar alarm system can put off a burglar. Home alarms that work to prevent theft are a far more practical solution than relying on Minnesota home insurance to compensate you for losses.

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