How to Make Your Home More Secure in a Dangerous World

Home security is a paramount concern for families today. More and more people are investing in comprehensive home security systems which protect home, property and the lives of the people inside. These multifaceted systems are highly precise, and linked to sophisticated monitoring stations. Families are contacted by phone to see if in fact there is an intrusion. If there is no response, the security monitors alert the police.These advanced home security systems are the first-line of defense against intrusion and invasion. With sound and motion sensors, alarms and connectivity to the police, the chances of losing any valuables or any harm being done to family members if greatly reduced.But there are other measures you can take which are a second line of defense to make sure your home is safe and secure. If you are out of the house for an extended period of time, you can create the illusion that someone is home by leaving lights in house or by leaving a TV or radio on in a room where a burglar could break in. This, coupled with a quality home security system is a good burglar deterrent.Make sure your doors are secure and that all exterior doors have good locks. Do not leave extra keys under doormats, over the door ledge or any other obvious hiding place. Burglars will usually find them and make use of them. If you have an armed security system, even this would not be a problem, because when that door is opened and the alarm is armed, the burglar would have to know the password. The alarm is triggered when the password is not entered and the police are notified, but your burglar has probably made a clean getaway. Still, no hiding keys in hiding places. If you forget to arm your alarm system, the burglar can have a field day in your home.Another good plan of action to have to prevent burglaries is to plan ahead before you go on vacation. Having lights on a timer is actually not a deterrent for burglars at all. Chances are they are casing out your neighborhood and looking for patterns like this. While you’re away, adjust your telephone ring to the lowest possible volume. A consistently unanswered phone is another tipoff to burglars that no one is home. Also don’t let mail and newspapers pile up. Have a friend or neighbor take them for you. A pile of newspapers on a door stoop is another sign for burglars that no one is home and the house is ripe for burglary.Another tip is frightening, but in today’s present circumstances you can never be too careful. Burglars are getting brasher and home invasions are on the rise. This is not merely a burglary, but usually a dangerous criminal who will try to force their way into your home. Do not answer any unexpected knocks without identifying the person behind the door. If in doubt, don’t open up. Call the police or trigger your home security system to scare off the potential home invader.None of these tips are failsafe and should only be used in conjunction with an advanced professionally installed home security system that monitors your home 24 hours a day. But in an insecure world, these measures can help prevent a burglary or home invasion, giving your family an extra measure of security.

Assuring That Your Home Owners’ Policy Does What You Expect it to Do

For most home owners, paying for home owners insurance is something we pay for and forget about until disaster strikes. It is a requirement of mortgage holders and just an all around good thing to have. When home owners purchase the policies, they need to be certain to read all fine print and fully understand what is and is not covered. No one wants to find out that the certain disaster that they are dealing with or the certain item lost, is not covered in their policy. Individuals are wise not to assume anything about home owners insurance coverage! These tips might take a little extra time but save a lot of stress in the event of a disaster.There are six types of homeowners insurance policies that are typically written. They rage in the number of disasters they cover, if the policy covers contents, liability, renters vs. owners coverage etc. These policies also range in price.Some disasters that might not be covered that a home owner has not considered are: falling objects, snow and ice, earthquake, flood, volcanic eruption or damage that is the result of faulty electricity or plumbing. The coverage for such disasters might be available to add on the policy, for an extra charge.Some items the home owner might need to purchase extra coverage for inclusion on the policy include: Antiques, certain jewelry, art or business equipment. Some of these items might have increased in market value since the policy was purchased and so the amount it is insured for should be increased also.A home inventory is an essential thing to have on hand if there is to be a claim made on the policy. Policy holders are strongly advised to take pictures of all major purchases and date the back of the picture (or tape the receipt for the item on back of the picture). It is also wise to write down these purchases in an inventory type of document. It is wise to go through the entire house/garage etc. and photograph any personal property that would be part of a claim, if it were lost or damaged. This can also be done by videotaping these items. Storage of all receipts, photos, tapes and inventory documentation needs to be kept in a place that would be unaffected by any event that might destroy the home/property . A bank box or trusted relatives home are suggestions of such places.Dealing with disaster is stressful enough without needing unpleasant surprises when it comes to rebuilding homes or replacing content. Individuals are wise to know exactly what is covered and be able to prove ownership of items covered.

Investing In Bank Foreclosed Homes – Things You Should Know

First of all, a good real estate investor would need to learn a lot of real estate knowledge in order to be able to know the signs and the merits of a good real estate deal. Buying just any real estate property would not cut it. It takes a great deal of real estate savvy in order to make an investment in properties a profitable one. Take for example investing in bank foreclosed home properties.Most foreclosed homes are bought on an “as is” basis. You usually buy them just as how they are. No warranty of fitness is usually offered in buying such properties. It is always up to the investor to weigh out the benefits along with the risk to determine if a foreclosed home is worth the investment. Without prior knowledge in real estate investing, it would really be difficult for an investor to judge for himself if he is getting into a very profitable deal or not.Most homes associated with bank foreclosed home investing are the result of homeowners not being able to cover their mortgage payments. And because of their difficulty in coming up with their payments, home maintenance may also bound to suffer. That is why people who are into bank foreclosed home investing may find themselves dealing mostly with home properties that might be in need of a certain level of repair.Although finding properties in such a state may be grounds to keep the purchase price low, it can also cost a bit on the part of the investor to do all the necessary repairs if he plans to sell it as an investment property.An experience in buying such homes may be necessary. It is always up to the property investor to judge whether a structure on a real estate property may be able to drive the property prices higher upon reselling or it may need to be taken down and a new one built up, at a substantial cost to the investor.Investing in bank foreclosed homes can be profitable, but it may not be for everybody. One should take a closer look at such investments in order to make sure that one can always be at the better end of the deal.