Front Porch Lights and Home Protection

Leaving your front porch light on in Missouri, is it a good way to keep your home safe from burglars?

Using your front porch lights to enhance your home security can be effective, especially as part of a larger overall strategy. Here are five things to consider when using your lights for security protection:

Variety is important

Its important to not leave your lights on constantly while you’re at work or on vacation. If your porch lights or exterior lights are on during the day that can be a signal to burglars that no one is home. Use timers or lights than can be controlled remotely so you can create different looks and turn your lights on and off.

Motion Detection Lights

Motion detection lights can often scare off a burglar and will allow you to leave the lights off. If someone approaches your house the lights will automatically come on.

Your Surroundings

If you live in a rural area with no neighbors around then lights might not keep an intruder off your property. If you do live in a neighborhood its important to keep your bushes and trees trimmed so burglars don’t have a spot to hide and take cover.

Correlate With Your Neighbors

Would your neighbors be able to notice if something was out of place or missing? Build a relationships with the neighbors around you that you can trust and let them know when you’re at work or going on vacation. Connect with your neighbors so they can tell when something doesn’t look right.

Mix Up Your Interior Lights

Even if you have outside lights on, a house that looks dark on the inside for a few days makes it seem like no one is home. Invest in timers for your lights and set them to turn on and off different lights throughout the house at different times, thus helping create the illusion someone is at home.

Although there is no perfect way to keep your house in the Ozarks safe, there are still plenty of options you can use for extra protection. To keep burglars guessing whether or not anyone’s home try to mix it up, with your lights and other things. The best strategies can often involve a range a variety.

Stay safe!

To make sure you’re covered from theft and breaking and entering call Professional Insurance in Ozark, Missouri today and let us protect you! 417-581-5818

As an independent agent we compare rates through multiple companies and find the right policy that fits your coverage needs and quality expectations all while saving you money.

Get your free auto insurance quote by calling us at 417-581-5818 or request a quote online http://proinsurinc.com/request-a-quote/

Missouri Home Insurance- Protect Your Home While On Vacation

We are in the heart of Vacation time. The kids are out of school and many Missouri Families are heading out to see the world. Protect your Missouri home while away on vacation by following a few safeguards.

•Before you leave for vacation is to make sure your auto, homeowners and health policies are in force and correct. If something happens while your away, you want to make sure you are covered.
•Store all you valuables so they are not in your house ready for the taking

•Leave a key, your itinerary, and your alarm code with a neighbor, friend or relative while your away and ask them to take in any newspapers, mail and other deliveries.

•Make sure your alarm is in working order and your alarm company knows your contact person while you are away.

•Make sure you lock all doors and windows including the garage, and second floor windows.

•Disconnect all electrical appliances and lower air conditioning units to energy-saving levels.

•Leave window shades and draperies in their usual positions and make sure you do not close them on the street side of the house.

•Put your lights on automatic timer so they are on each evening.

•Park a car or have a neighbor park their car in your driveway to keep the illusion that you are home.

•Never publicize that you will be away on social media like Facebook and Google+. A friend of a friend might not be so friendly to you and could plan to break into your house during your vacation. Try to resist posting photos and confirming that you are away on vacation- wait til you get back to start your conversation.

What Amount of Renters Insurance Coverage Do I Need?

When you shop around and get some bids for renters insurance, they might come in with different coverage amounts and different premiums. It can seem challenging to read and understand the basics of the policy to ensure you have the proper coverage, but it’s actually easier than you may think. Learn how to dissect your policy so that you can make the best decision for your circumstances.

How much coverage you need is actually a multi-pronged question because in your policy, you get several different types of coverage. Those types cover different situations and perils (or losses) that could occur and cost you money. Here are the general categories of coverage that are included in a standard renter’s policy.
Personal Property. This covers the cost to replace your clothes, furniture, electronics, and all your other personal property items.
Loss of Use. This covers your living expenses if your rental unit is uninhabitable. This includes items like hotel costs, food, and other costs incurred as a result of your being displaced from your rental unit.
Liability. This covers if you are sued by another party that is financially injured as a result of the peril that occurred related to your home.
Medical of Others. This covers the medical costs of others who were on your property with your permission.

Each one of the above categories will have a maximum amount of coverage that the policy will pay in case there is a loss, so let’s discuss how much coverage you may need for all of them.

Personal Property – A typical renter may have $15,000 to $25,000 in personal property, but of course, that depends on the renter. For example, if you are a management consultant renting a second residence in New York City, and you have expensive clothing, extensive electronics, high end furniture, and so on, you could easily have $50,000 to $100,000 worth of personal property in your rental unit. This means you need to think through how much coverage you really need in case a fire destroys all your belongings. And if you have expensive artwork or antiques with high values and want them to be covered, you need to discuss that with your agent to make sure you are paying for the appropriate amount of insurance. If you don’t have the right insurance, you’ll be out of luck if there is a loss.

Loss of Use – This is pretty straightforward to determine because if there is a loss, your insurance agent and/or an adjuster will review your current rental amount and lifestyle and that will form the basis for what coverage you need. The insurance agent can go over this with you as well as any other options you may have for extra coverage.

Liability – This is a more important one to think through and consider because there are some important options here. A normal renters insurance policy might have $25,000 of liability coverage, according to the Texas Department of Insurance , but that might not be near enough. As you get wealthier and/or if you have a higher paying job, that increases the risk that you might be sued if, for example, someone slips and falls while visiting your home.

If you do get sued, $25,000 is not enough coverage. That won’t even cover your own lawyer’s bills at $350 an hour! A typical homeowners policy has $100,000 to $300,000 in liability coverage. Many people get an excess liability policy, called an Umbrella Policy, that bumps that coverage to over $1,000,000. And this is only about $250 per year, so if you have some assets and/or a good job, it’d be in your best interest to get an Umbrella Policy.

Medical of Others – This is usually governed by a standard amount of coverage that the insurance carrier offers. And that standard amount is probably fine because they’ve looked at their past claims and determined the most sufficient amount to cover most situations. Talk to your agent about this issue and make the best choice for yourself.

In thinking through how much coverage you need, the most important items are to make sure you have enough coverage in place for your personal property and for liability protection in case you get sued. It’s really not very expensive on an annual basis to have a little extra protection to ensure you are properly covered. So review your existing policy, your situation and belongings, and get the right coverage that fits for your life’s circumstances.