Tysers, a leading independent Lloyd’s broker and a member of the AUB Group, advises that a spike in burglaries around autumn and winter, make it an ideal time to review home security.
1. Think smarter (lighting)
A completely dark house is an obvious sign of a vacant property, leading to increasing numbers investing in timers for their home lights. However, Tysers advises that while timers for lights are useful in cases of targeted burglaries, homes are often scoped out for a few days prior to forcing entry. If lights in the same rooms switch on at a routine time each night, potential burglars will deduce quickly that the lights are operated by a timer. Smart technology allows homeowners to control lighting at home from anywhere in the world and smart bulbs can be dimmed and switched on and off, lighting up rooms or areas of a house at different times, creating the impression of movement and an occupied property. Motion detecting floodlights are also a useful deterrent and can be connected to a smart phone to notify the homeowner if unusual activity occurs.
2. Secure your doors and windows
To keep homes secure and be eligible for lower insurance premiums, Tysers explains that all external doors and windows in a property should be fitted with secure locks. There are a number of options, including a five lever mortice deadlock, a rim automatic deadlatch (nightlatch) a multi-point locking system or Euro cylinder lock. It’s important to ensure these locks have with British Standard BS3621, SS312 diamond approved or TS007 3 Star certification.
3. Lock it down
Most home and contents insurance policies will stipulate that valuables, such as jewellery and high valuable collectibles, are only covered if secured in a safe of an approved standard.
4. Secure perimeters
Perimeter fencing and security gates can add another layer of protection to a property and form the first line of defence before a would-be burglar can gain access. There are many options for perimeter fencing and gates which provide additional security and fit the aesthetics of a home. Additional outside security, including CCTV systems and night vision cameras, intruder alarms, security lights, electronic barriers and sophisticated access control systems, should also be considered.
5. Protect vehicles
High value cars, such as luxury cars and supercars, are at particular risk of theft. Most insurers will only offer their best premiums to those who take appropriate steps to secure their vehicles through secure storage and anti-theft systems. Many insurers will also stipulate that vehicles such as supercars and classic cars should always be stored overnight in a securely locked garage.