Home break-ins can be both traumatic and expensive. In addition to replacing stolen or damaged property, break-ins cost insurance companies millions of dollars in claims each year, which, in turn, increases your premiums.
By following these three simple tips, you can potentially avoid a stressful and costly burglary:
- Secure the Premises: Locking doors and windows at night before you leave your home is the first line of defence against a break-in. Experts recommend using deadbolt locks for added security.
- Use Alarm Systems: Using a 24-hour monitored system is statistically proven to lower your chance of a home break-in. As an added benefit, some systems also detect fire or carbon monoxide.
- Protect Your Valuables: Create an inventory of all of your valuables and keep them in a safety deposit box or other secure area.
Most burglaries occur during the day, so it’s important to make your home appear occupied at all times. Ask trusted neighbours, family and friends to keep an eye on your house while you are away.
How to Safely Host a Holiday Party
For many Canadians, the holidays are a time to celebrate. However, those throwing a party this season could be unknowingly exposing themselves to a number of risks—risks they may not have even considered.
- Food Allergies: Shellfish, nuts and dairy are some of the most common food allergies, and these items are often found in popular holiday dishes. To ensure the safety of your guests, ask them to inform you of any allergies, and consider using labels to list ingredients.
- Over-serving: Alcohol is a staple at most holiday parties. But, when a guest becomes inebriated and drives home, they could cause damage to property or injury to themselves and others. Be mindful of how much your guests are drinking and never let someone drive home if he or she has been over-served.
- Decorations: Festive decorations like string lights and candles can create great ambiance for any holiday party, but they can also be dangerous. Never leave lights on or candles burning overnight, as this can cause fires. Ensure lights are in working order and that you aren’t overloading outlets.
- Theft: You may not always know everyone at your party, so it’s important to take precautions when it comes to your valuables. Keep expensive items locked away and out of sight. Ask your insurer about coverage options for your valuables.
By keeping in mind the above tips, you’ll protect you and your guests from harm and ensure that your next holiday celebration is a success.
Moller Insurance Ltd.
Tel: (905) 642-2745