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10 Things Burglars Are Watching For

April 9, 2012 By Jon DeKok

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Many of you are planning your summer vacations, but are you also planning on protecting your home while you’re gone? Here are a few ways some homeowners alert burglars they’re gone.

Burglary Fact: In a matter of minutes, a burglar can grab jewelry, money, and a few valuables – enough to make the risk worth it. Most of them are in and out long before a concerned neighbor notices, or the police arrive.

Here are the top giveaways that you’re gone for an extended amount of time:

1. Closed drapes. If you choose to shut off the air conditioner, drapes can insulate your home from some of the heat. Go ahead and pull some of them part-way shut, but consider leaving at least those on the main level at least partly open.

2. A mail pile-Up. It doesn’t take a lot of effort to have the Post Office hold your mail for the days you’ll be gone and notify your newspaper that you want to cancel delivery for that time as well. Don’t order anything that will be delivered while you’re gone, or have it delivered to a friend’s address.

3. Long grass. Have someone mow your lawn or remove the snow from your driveway and sidewalks. If your front step is raised, have them remove the snow from there too. If you have a lawn service come in, ask them to send you a bill in the mail or pay them in advance. That way they won’t leave a bill hanging on the door – a sure sign you’re gone.

4. Timed lighting. Leaving no lights on or a few lights on all the time is like putting out the welcome mat for burglars. Investing in timed lighting saves electricity and deters break-ins.

5. You might enjoy letting your Facebook and Twitter friends know that you are about to embark on the vacation you’ve been working so hard for, but it’s better to tell them about the trip when you get home. Social media sites are constantly being watched by people you don’t know.

6. Vary the visits. If you have someone stopping by to check on the house, water your plants and lawn, and to feed the cat, ask them to come at different times of the day. If a thief is watching, they will be less likely to take the risk if the visits from your house-sitter happen at different times. Better yet – ask more than one person to stop by at different times.

7. The key. Don’t hide it – give a copy to the house sitter or sitters you have coming over.

8. No parking. If you usually park your other car in the garage, but decide to leave in the driveway while you’re gone, that’s a clue you’re not there.

9. The packed car. If you can, pack the car with the garage door closed. If you don’t have a garage, consider packing it very early on the day you’re leaving. If you get into the car without your luggage, anyone watching will assume you’re not going far.

10. Tell only the neighbors you trust that you’ll be gone. If you don’t know your neighbors well, keep your trip to yourself.

Do burglars really “case” neighborhoods? Yes. Planning ahead allows them a better chance to get in and out before a neighbor notices and the police arrive.

If you have any questions about your insurance, call me at 507-226-8121.

Jon

[email protected]

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Filed Under: Home Owners Insurance, Homeowners Insurance, Insurance Information, Protect your home Tagged With: better coverage, better prices, DeKok Insurance Group, Insurance, Insurance Questions, Jon DeKok, MN auto insurance, MN business insurance, MN home insurance, MN insurance, MN Insurance Information, MN life insurance, MN umbrella insurance

Frozen Water Pipes

December 13, 2011 By Jon DeKok

With sub-below temps, what happens if your water pipes freeze?

Most homeowners policies cover damage caused by frozen water pipes minus your deductible. The policy will normally not pay for the actual pipe that burst, but all of the damage caused because of the burst.

Many policies also have an exclusion of coverage if  your home is vacant more than 60 days if you haven’t drained the pipes.

Call me  at 507-226-8121 (email dekokinsgroup@gmail) today to see how you’re covered.

Jon

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Filed Under: DeKok Insurance Group, Home Owners Insurance, Homeowners Insurance, Uncategorized Tagged With: better policies, better prices, DeKok Insurance Group, Frozen water pipes, Insurance, Jon DeKok, MN insurance, MN Insurance Information

MetLife Auto & Home

November 9, 2011 By Jon DeKok

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One of the companies I represent is MetLife Home and Auto. It’s possible when I work up quotes for you, they will come in with the best policies and prices. As a consumer, it’s nice to know a little bit about the company who is covering your property.

In 1863, a group of New York City business men organized the National Union Life and Limb Insurance company. They started selling policies to Civil War sailors and soldiers to protect against wartime disabilities. In 1868, the company changed from a casualty business to focus on life insurance. They named their new endeavor, Metropolitan Life Insurance Company. By 1879, they began  selling industrial insurance door to door. These person to person meetings were so successful, that in 1909 Met Life had the largest number of life insurance in force in North America. They retain that position today.

They are now a global company with more than 90 million customers in more than 50 countries.

I work directly with MetLife Auto and Home and here is some information about their GrandProtect package: (They have others and when you call for a quote, I’ll see which would be the best policy/policies at the best price/prices for you.)

GrandProtect® personal insurance protection in one convenient package, with features that meet your asset protection needs and simplifies your complex insurance needs, including your home valuable items, autos, RVs, and boats, by offering one comprehensive policy package.

A GrandProtect policy may be right for you if you’re seeking:

  • A higher level of coverage that goes beyond our standard policies
  • Comprehensive protection for your property in one policy package
  • One deductible for any one loss, even if more than one type of property is
    damaged  (ask me about these details)
  • Simplicity of one bill for your personal insurance needs
  • All of your personal insurance written by one provider: MetLife Auto & Home

Call (507-226-8121) or email ([email protected]) to find out if a MetLife Auto and Home policy is the right policy at the right price for you.

Jon

Red darts target aim on white background.DeKok Insurance Group, Inc. Referral Program: When you tell your family and friends about your positive experience with my agency, and they call for a quote, I’ll send YOU a $20 Target gift card.

[tweetthis]Metlife Home & Auto #MetLife #GrandProtect[/tweetthis]

Filed Under: Auto Insurance, Companies, DeKok Insurance Group, Home Owners Insurance, homeowners, Homeowners Insurance, Insurance Tagged With: better policies, better prices, DeKok Insurance Group, Insurance, Jon DeKok, MetLife Auto & Home, MN insurance, MN Insurance Information

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