{"id":5028,"date":"2024-11-04T00:56:00","date_gmt":"2024-11-04T08:56:00","guid":{"rendered":"https:\/\/vernfonk.confiedevstg.com\/blog\/?p=5028"},"modified":"2024-11-04T12:57:15","modified_gmt":"2024-11-04T20:57:15","slug":"home-burglary-coverage","status":"publish","type":"post","link":"https:\/\/vernfonk.confiedevstg.com\/blog\/homeowners-insurance\/home-burglary-coverage\/","title":{"rendered":"Robbery? Not in My House! (But Just in Case \u2026)\u00a0"},"content":{"rendered":"\n

Ah, the good old Pacific Northwest \u2014 where the moss grows freely, coffee keeps everyone alive, and, well, sometimes, someone decides to help themselves to what\u2019s in your house. Yep, break-ins. <\/p>\n\n\n\n

Read on to learn how to prevent home burglary incidents \u2014 and what kinds of homeowners insurance <\/a>can help you to recover if the worst comes to pass (but hopefully it won\u2019t if you follow the tips in this guide). <\/p>\n\n\n\n

Burglary Happens to the Best of Us, Even You<\/strong> <\/h2>\n\n\n\n

Now, maybe you\u2019re thinking, \u201cNot me! My home is too cozy, too humble for anyone to want my stuff.\u201d Well, friend, burglars don\u2019t care if your art is minimalist chic or about that old velvet Elvis painting (though they might take the velvet Elvis \u2014 thieves have questionable taste). Even in the peace-loving land of Subaru drivers and tree-hugging hikers, the occasional sticky-fingered hooligan comes along and \u2014 bam \u2014 home invasion. <\/p>\n\n\n\n

What Does Home Insurance Cover in a Burglary?<\/strong> <\/h2>\n\n\n\n

Okay, so real talk. What does home insurance cover anyway<\/a>? Does home insurance cover burglary? Short answer: Yep, it does! Long answer: As long as you\u2019ve got the right kind of coverage, insurance is like that superhero cape you forgot you were wearing until you really needed it. <\/p>\n\n\n\n

Here\u2019s the gist. If some rascal decides to break into your home and abscond with your beloved collection of quirky mugs, most standard home insurance policies will help cover the loss. From stolen electronics (your laptop and that gaming console you SWEAR you only use for Netflix), to damage they leave behind (like that window they shattered trying to get to your cat\u2019s favorite sun spot), your policy\u2019s got your back. <\/p>\n\n\n\n

But here\u2019s the kicker \u2014 there\u2019s a deductible. Yeah, that pesky thing. So, if they made off with your TV, you\u2019ll probably get reimbursed minus that deductible. Also, don\u2019t expect to recover a bag of cash you kept under your pillow for \u201cemergencies\u201d \u2014 seriously, that\u2019s why there are banks. It\u2019s all about making sure you have enough coverage for the things you\u2019d truly miss. <\/p>\n\n\n\n

In the end, home insurance can help make you whole again. <\/p>\n\n\n\n

How to Prevent Home Burglary: Tips and Tricks<\/strong> <\/h2>\n\n\n\n

The absolute best way to handle a home invasion? Make sure it never happens in the first place. You know what they say: prevention is the spice of life \u2026 or maybe that was variety? Here are some home burglary prevention tips. <\/p>\n\n\n\n

Solidifying Your Sanctuary: Essential Locking Strategies<\/strong> <\/h3>\n\n\n\n

So, one asks: How to deter burglars? Step one: Lock your darn doors! Folks \u2014 most burglaries start with a door that\u2019s just, ya know, hanging open like a welcome mat. Yes, Washingtonians are trusting, but burglars love that when it comes to break-ins. So, get yourself some quality deadbolts. Bonus points if you can hear an epic click-clunk when it locks. <\/p>\n\n\n\n

And those windows? They need love too! Make sure they have proper locks. And if you\u2019ve got those gorgeous sliding glass doors (who doesn\u2019t love a little indoor-outdoor vibe?), get a dowel rod or a metal bar to stick in the track. <\/p>\n\n\n\n

Neighbor Networks and Law Enforcement Liaisons<\/strong> <\/h3>\n\n\n\n

Get to know your neighbors. Maybe even bake them cookies (the universal peace offering). If you\u2019re going out of town, ask if they can pick up your mail or just keep an eye out. Let them borrow your lawn mower. <\/p>\n\n\n\n

And, if you wanna go full-on retro cool, start a neighborhood watch. Slap a sticker on your window, alert the local law enforcement, and you\u2019ll have an entire mini-army of folks keeping an eye out. Plus, those burglars are gonna see that sticker and think twice before they mess with any houses in your neighborhood! <\/p>\n\n\n\n

Preemptive Measures Before You Travel<\/strong> <\/h3>\n\n\n\n

Ah, vacation, the thing that makes \u201chome robbery professionals\u201d rub their hands together like cartoon villains. It\u2019s vital that you don\u2019t announce your getaway to the world until after you\u2019re back. Save the sunset-over-Mt.-Hood shots for later. Letting everyone on Instagram know you\u2019re out of town is basically a burglar\u2019s invitation. <\/p>\n\n\n\n

Have your neighbors grab your mail (seriously, it\u2019s your neighbors again \u2014 they\u2019re the MVPs), and invest in light timers. Lights flicking on and off will make it look like someone\u2019s home, keeping Mr. Burglar on their toes. Curtains should be open just enough that someone might think there\u2019s a human inside \u2014 not so open that it screams, \u201cLook at my expensive stereo!\u201d\u00a0<\/p>\n\n\n\n

\"Home<\/figure><\/div>\n\n\n\n

Advanced Technologies in Burglary Deterrence<\/strong> <\/h3>\n\n\n\n

Security gadgets aren\u2019t just for Bond villains. Nowadays, you can get all kinds of nifty things to help deter burglars. From doorbell cameras to motion-sensor lights that shout, \u201cSurprise, I see you!\u201d to full-blown home security systems, technology is here to be your best buddy. <\/p>\n\n\n\n

A video doorbell lets you answer the door from literally anywhere \u2014 whether you\u2019re on the couch or on a wine-tasting trip in Walla Walla. Plus, if a burglar does show up, you can yell something like, \u201cGet off my lawn!\u201d even if you\u2019re actually miles away. It\u2019s oddly satisfying. <\/p>\n\n\n\n

And hey, bonus: Many insurance companies will give you a discount on your home policy for having these gadgets. One of the more common mistakes people make when buying homeowners insurance<\/a> is not <\/em>getting a great security system! <\/p>\n\n\n\n

Protecting Your Perimeter and Beyond<\/strong> <\/h3>\n\n\n\n

So you\u2019ve locked your windows and installed a camera, but what about outside your home? Remember, before any burglar gets to your stuff, they have to get through your yard. Make that yard as uninviting as a 6 a.m. rainstorm (unless you\u2019re a true PNW-er who thrives on such things). <\/p>\n\n\n\n

Keep bushes and hedges trimmed back so they don\u2019t provide convenient hiding spots. Plant some thorny shrubs under windows, the kind that say, \u201cHey, burglar, enjoy these thorns in your shins!\u201d And don\u2019t leave ladders or tools lying around that could make their nefarious job easier. <\/p>\n\n\n\n

Behavioral Adjustments to Reduce Risks<\/strong> <\/h3>\n\n\n\n

Look, gadgets and locks are great, but sometimes the best way to prevent a home invasion is to simply not make yourself a target. If you\u2019re in the habit of leaving the front door wide open while you run to the store, well \u2026 that\u2019s a burglar\u2019s dream come true. Even if you\u2019re at home, lock up. <\/p>\n\n\n\n

Another tip: Don\u2019t leave valuables \u2014 like that super-expensive gaming laptop \u2014 sitting in plain view. Burglars look through windows, and they love easy targets. Also, please stop hiding your spare key in the most obvious place ever. The fake rock? The flowerpot? Under the mat? Yeah, burglars have read the same guidebook. <\/p>\n\n\n\n

The Peace of Mind You Never Knew You Needed with Vern Fonk<\/strong> <\/h2>\n\n\n\n

All the prevention tips in the world are great, but if a burglar (or mother nature in the form of a storm<\/a>) really wants in, there\u2019s not always much you can do. That\u2019s where having the right home insurance can turn a complete nightmare into just an annoying day. When some crook decides to walk away with your stuff, it\u2019s nice to know you won\u2019t have to empty your savings to get it back. <\/p>\n\n\n\n

Vern Fonk Insurance offers home insurance that covers you for break-ins, damage, and stolen items so you can get back on your feet. Because nothing says, \u201cI\u2019m over this mess,\u201d quite like knowing you\u2019ve got coverage for all your favorite things, from your electronics to that art collection you definitely didn\u2019t buy at the local thrift shop. So go ahead, embark on that nature hike, enjoy the rain, and maybe even leave that velvet Elvis painting where it is. We\u2019ve got your back. <\/p>\n\n\n\n

Give us a call today at (800) 455-8276<\/a>, request a quote online<\/a>, or visit one of our offices<\/a> in your neck of the woods to get started on your own customized homeowners insurance quote!\u00a0<\/p>\n\n\n\n

<\/div>\n\n\n\n
\n
Get a Quote<\/a><\/div>\n<\/div>\n\n\n\n
<\/div>\n\n\n\n
\n
Call Us<\/a><\/div>\n<\/div>\n\n\n\n
<\/div>\n\n\n\n
\n
Find Your Office<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Ah, the good old Pacific Northwest \u2014 where the moss grows freely, coffee keeps everyone alive, and, well, sometimes, someone decides to help themselves to what\u2019s in your house. Yep, break-ins.  Read on to learn how to prevent home burglary incidents \u2014 and what kinds of homeowners insurance can help you to recover if the […]<\/p>\n","protected":false},"author":1,"featured_media":5031,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[10],"tags":[],"class_list":["post-5028","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homeowners-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-json\/wp\/v2\/posts\/5028","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-json\/wp\/v2\/comments?post=5028"}],"version-history":[{"count":3,"href":"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-json\/wp\/v2\/posts\/5028\/revisions"}],"predecessor-version":[{"id":5034,"href":"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-json\/wp\/v2\/posts\/5028\/revisions\/5034"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-json\/wp\/v2\/media\/5031"}],"wp:attachment":[{"href":"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-json\/wp\/v2\/media?parent=5028"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-json\/wp\/v2\/categories?post=5028"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-json\/wp\/v2\/tags?post=5028"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}