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Home security
Burglars won't find your home an "easy mark"
if they are forced to work in the light, if they
have to take a lot of time breaking in, or if
they can't break in without making a lot of noise.
Research shows that if it takes more than four
or five minutes to break into a home, the burglar
will go elsewhere.
Most insurance companies provide 2% to 15% discounts
for devices that make a home safer -- dead-bolt
locks, window grates, bars and smoke/fire/burglar
alarms.
When improving the security of your home, don't
exchange security for personal safety. Don't make
your home such a fortress that you are unable
to escape in case of a fire or other emergency.
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Check your home for weaknesses and correct
them
- Take the time to "case" your house or apartment,
just as a burglar would. Where is the easiest
entry? How can you make it more burglar-resistant?
- Trim trees and shrubs near doors and windows,
and think carefully before installing a high,
wooden fence around your back yard. High fences
and shrubbery can add to your privacy, but privacy
is a burglar's asset. Consider trading a little
extra privacy for a bit of added security.
- Force any would-be burglar to confront a real
enemy -- light. Exterior lights and motion detectors,
mounted out of easy reach, can reduce the darkness
a burglar finds comforting.
- Simple security devices -- nails, screws,
padlocks, door and window locks, grates, bars
and bolts -- can increase the amount of time
it takes to break into your home.
- Invest in a burglar alarm. The most effective
ones also ring at an outside service.
- Are any of your valuables -- paintings, a
silver collection or a computer -- easy to see
from outside? Rearranging your furnishings might
be advisable if it makes your home less inviting
to criminals.
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Simple security steps
- Doors
Make sure you have strong doors. Outside doors
should be metal or solid hardwood, and at least
1 3/4 inches thick. Frames must be made of equally
strong material, and each door must fit its
frame securely. Even the most efficient lock,
if it is placed in a weak door, will not keep
out a determined burglar.
A peephole or a wide-angle viewer in the door
is safer for identifying visitors than a door
chain.
Sliding glass doors present a special problem
because they are easy to open, but there are
locks designed for them. A broomstick in the
door channel can help, but cannot be depended
on.
- Locks
Deadbolt locks are best. They usually are locked
with a key from the outside and a thumb turn
on the inside. The cylinder (where the key is
inserted) should be pick-resistant. Ask your
hardware dealer for a reputable brand or buy
your locks from a locksmith.
- Windows
Key locks are available for all types of windows.
Double-hung windows can be secured simply by
"pinning" the upper and lower frames together
with a nail, which can be removed from the inside.
For windows at street level or on fire escapes,
consider installing metal accordion gates.
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Home security habits 
- Establish a routine to make certain that doors
and windows are locked and alarm systems are
turned on.
- Avoid giving information to unidentified telephone
callers and announcing your personal plans in
want ads or public notices (such as giving your
address when advertising items for sale).
- Notify the police if you see suspicious strangers
in your area.
- Don't carry house keys on a key ring bearing
your home address or leave house keys with your
car in a commercial parking lot or with an attendant.
- Don't hide your keys in "secret" places outside
your home -- burglars usually know where to
look.
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Vacation tips 
- Leave blinds open in their usual position.
- Have mail and packages picked up, forwarded
or held by the post office.
- Lower the sound of your telephone ringer and
answering machine so they can't be heard outside.
- Arrange to have your lawn mowed in summer
and your walk and driveway shoveled in winter.
- Stop newspaper deliveries.
- Ask a friend to pick-up "throw-away" newspapers
and circulars.
- Use automatic timers to turn lights on and
off in various parts of the house at appropriate
times. Consider connecting a radio to a timer.
- Tell police and dependable neighbors when
you plan to be away and join with your neighbors
to keep a close watch on what's happening in
your area -- working closely with them is a
good way to prevent crime.
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| With Permission
© Insurance
Information Institute, Inc. - ALL RIGHTS RESERVED
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