Burglar Bar Security & Home Insurance – Why Your Insurance Company Will Insist On You Having Burglar Bars

Burglar Bar Security & Home Insurance – Why Your Insurance Company Will Insist On You Having Burglar Bars

Burglar Bar Security & Home Insurance – Why Your Insurance Company Will Insist On You Having Burglar Bars

Understand Your Insurance

“Short-term insurance not only gives you peace of mind, it also offers you protection over your possessions, from your house and car to your personal belongings. But in order to benefit from this protection, you need to understand how insurance works and the extent of your cover.

Fires, thefts and accidents are everyday events – and they do not just happen to other people.

To protect yourself against the financial consequences of such unexpected events, you can take cover with an insurance policy. The two main types of insurance are short-term insurance (which provides cover for possessions) and long-term insurance (which covers your life).

Short-term insurance is generally taken out on your house, your car and your belongings.

To protect yourself against damage to or loss of your possessions, you can – in return for a monthly or annual premium to an insurance company – buy insurance cover.

When you buy insurance cover, you transfer the risk (of damage to or loss of your goods) to somebody else, in this case, the insurance company.

The insurance company will assess the risk of your goods becoming damaged, stolen, or lost, and will charge you a fee, called a premium, for taking on the risk. You can generally pay the premium annually or monthly, but you usually get a discount for paying annually.

Should you be so unfortunate that, for instance, your car is stolen, your house burns down, or you lose your cell phone, and you have insured these items, your insurance company will reimburse you.

In some instances, the insurance company will pay you out in cash. In other instances, it will replace the lost item with a similar one.

The extent to which you are reimbursed will depend on the terms and conditions of your insurance policy and on whether you have adequately insured your goods.”

There is a lot more to know when it comes to your insurance. For a more detailed discussion, find out more here.

Why Your Insurance Company Will Insist On You Having Burglar Bars

“Most insurance companies encourage clients to install burglar bars and security gates on doors and windows. Some may reduce your insurance premiums if you have burglar proofing at home and work. Here are the reasons why:

Physical Barriers Make Crooks Think Twice

Burglar proofing such as security gates on doors and bars on windows make robbers work hard to get inside your home or office. They prefer to be able to break in quickly and quietly. Physical security can act as a deterrent to thieves, who will find it difficult to get in without making a noise and attracting attention.  They may decide not to try, but rather move on to easier targets.

Burglar Bars Buy You Time

Because breaking through burglar bars and safety gates makes a huge racket, you’ll probably hear robbers trying to get inside and can take action to protect your family.  A security gate in the passage way plus burglar bars on all windows in the bedroom area create a safe zone and buys you time to call for help from the police or your armed response service. Remember, though, to ensure that you fit sliding burglar proofing to at least one window in your safe area so that you can use it to escape the house if you need to.  And the ‘safe zone’ concept only really works if every door and window is protected with burglar bars or gates.

Layered Security Includes Burglar Proofing

It’s not enough to have just an alarm system because like any form of security, it is subject to human error.  We often don’t switch the alarm on when we’re home or forget to check the battery back-up unit, or thieves find a way to deactivate it.  Sometimes they just ignore it, getting in and out as quickly as possible before anyone responds to the alarm. So, the idea is to have an alarm as well as burglar bars and security gates.  The alarm acts as the early warning system while the physical barriers provide an obstacle that takes time and effort to breach.  You need burglar proofing on every single door and window, no matter how hard you think it is to reach – robbers will always pick the one you think is inaccessible and therefore unsecured.”

Let us help you make your home more secure. Get in touch with us today.

Source credits:

https://www.iol.co.za/personal-finance/ensure-you-understand-your-insurance-994925

https://www.trellidor.co.za/news-and-info/blog/3-reasons-why-home-insurance-companies-insist-you-need-burglar-bars/169

All opinions expressed in this article are not the onus of the publisher nor supplier.

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