MONDAY, FEBRUARY 15, 2021
 A home invasion is unlike a typical burglary or break-in. Far more dangerous, a home invasion can’t be stopped by alarm systems, door locks or barred windows. These invaders are violent and will do whatever they can to enter a home and gain control.
Most home invasions occur on weekends or at night, and wealthy neighborhoods with expensive homes are the most victimized. Home invaders often choose their victims based on the cars in the driveway, the jewelry worn or the way the house looks. They often surveil the homeowner for a while to determine the level of wealth.
Home invaders often impersonate delivery drivers or maintenance workers to gain access into homes. After taking control, they may tie up or immobilize the homeowner in some way and then begin to search for valuables. They may also force the homeowner to locate valuables or open safes.
Home Invasion Insurance
Home invasion insurance provides protection for people-related risks, such as abductions and injuries. In addition, it provides a financial safety net for accidental death, dismemberment and bodily injury during the invasion. It can be added to your standard homeowners and health insurance policies to ensure full protection against losses. In addition, a typical health insurance policy only provides limited mental health coverage, which is usually necessary after experiencing a traumatic home invasion.
Additional Protections
Add these protections to help ensure you are prepared and protected in case of a home invasion:
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Install solid core doors with strong locks and security devices on your windows. Secure your locks even further with heavy-duty strike plates with at least four 3-inch screws.
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Keep doors and windows locked at all times.
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Install a peephole and don’t let anyone into your home before seeing who is at the door. Use your porch light at night to easily see who is at your door when it is dark outside.
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Do not open your door to strangers or solicitors. Call the police immediately if someone acts suspiciously.
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Keep your window shades closed at night. If someone can’t see into your home, they may not feel comfortable trying to get in.
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If you are home alone, make it appear as though you are not. Turn on extra lights and televisions in various rooms throughout your house.
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Get a dog. A dog might alert you to potential invaders and even scare them away.
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Keep any firearms securely hidden in your master bedroom. Often, in home invasions, victims are confined to the bedroom.
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Make sure your entire family knows your home security plans so everyone is prepared in the event of an invasion.
Top Ways to Save on Your Premium
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Invest in a home security system.
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Update exterior locks to dead bolts.
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Install smoke alarms.
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Select an automatic payment method.
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Monitor your credit rating.
Take the necessary precautions to protect yourself and your family from these violent crimes. Adding home invasion insurance is a great defense.
Disclaimer: This brochure is provided for informational purposes only. The information provided herein is not intended to be exhaustive, nor should it be construed as advice regarding coverage. Eligibility for coverage is not guaranteed and all coverages are limited to the terms and conditions contained in the applicable policy.
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