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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

dekokinsgroup@gmail.com

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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

Flood Insurance & WaterDamage – What’s the Difference?

March 26, 2012 By Jon DeKok

Flood Insurance:

Flood insurance is a separate policy that is sold by insurance agents, but that is from the federal government. It covers damage caused by water moving on top of the ground that enters homes.

Water-backup Coverage:

This is a separate endorsement to your homeowner’s policy and covers damage from water that rises up from backed-up sewers, washtubs, sinks, toilets, and sump pump failures.

Call 507-226-8121 today to learn more about flood insurance and to see if you have all the endorsements you need on your homeowner’s policy.

Let’s get you covered,

Jon

dekokinsgroup@gmail.com

[tweetthis]Flood Insurance & WaterDamage – What’s the Difference?[/tweetthis]

 

Specializing in home, auto business. umbrella, and life insurance for MN residents.

Filed Under: Flood Insurance, Home Owners Insurance, Water Damage 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

Cell Phones & Driving

January 10, 2012 By Jon DeKok

Distracted Driving

 

Most of us talk on our cell phones while we drive. This convenient source of communication is great in a roadside emergency, but it has a few dangerous negatives. Here are some facts I learned and want to pass them on to you:

  • According to the University of Utah, a driver talking on his or her cell phone while driving has the same response time as a driver with a blood-alcohol
    level of .08.
  • People who use cell phones while driving are 4 times as likely to
    get into accidents where they are injured.
  • Carnegie Mellon found that driving while talking on a cell phone
    reduces the amount of brain activity associated with driving by 37%.
  • Police report that 25% of the reported crashes involve a
    “distracted” driver. While not all of these distractions are caused
    by cell phones, the majority are.

In a recent survey, 8 in 10 drivers supports some kind of cell phone and driving restrictions. 80% would apply a ban on all texting while driving. 80% would also support a ban on emailing while driving. Most of the respondents wanted varying degrees of other restrictions, and the majority believes such laws should apply to all drivers.

Jon

507-226-8121

dekokinsgroup@gmail.com

[tweetthis]Cell Phones & Driving #DistractedDriving #DeKokInsuranceGroupInc[/tweetthis]

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Filed Under: Auto, Auto Insurance, DeKok Insurance Group Tagged With: better coverage, better policies, DeKok Insurance Group, Insurance, Insurance Questions, Jon DeKok, MN auto insurance, MN business insurance, MN home insurance, MN Insurance Information, MN life insurance, MN umbrella insurance

Deer in the Headlights

December 20, 2011 By Jon DeKok

If you have an accident with a deer, it’s easy to assume the claim will be filed as a collision – after all the animal and car collided right? However, a deer hit is covered by your comprehensive protection.

Other incidents usually covered under your comprehensive insurance: theft, vandalism, fire, natural disasters, and collision with animals.

If you have questions about insurance in Minnesota, give me a call or email me at jondekok@dekokinsgroup.com.

If you’re looking for quotes on your insurance, I am happy to tell you that 95% of the time I can offer you better polices at better prices.

Sincerely,

Jon

507-226-8121

dekokinsgroup@gmail.com

[tweetthis]Deer in the Headlights. #DeerHit #MNInsurance #Comprehensive #Collision [/tweetthis]

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Filed Under: Auto, DeKok Insurance Group Tagged With: better policies, better prices, Deer Hits, DeKok Insurance Group, Insurance, Insurance Questions, Jon DeKok, MN insurance, MN Insurance Information, MN life insurance

Ice Dams

December 15, 2011 By Jon DeKok

Ice Dams, DeKok Insurance

My wife likes the way icicles glisten in the winter sun. They can be pretty, but they are a symptom of something very unattractive.

An ice dam is the build-up of ice along the overhang of your roof.  When the roof warms up in the sun or due to warmer weather, other ice and snow higher up on the roof melts, and the water forms a pool above the build-up of ice along the edge of your roof.  At this point, the water can back up under the shingles and leak into your home.

The damage from this leakage is covered under most homeowner’s policies minus your deductible.

To prevent ice dams, remove the snow from the edges of your roof. This allows the moisture to drain and decreases the risk of damage inside your home.

Do you have insurance questions? Call my office at 507-226-8121 or email me at dekokinsgroup@gmail.com.

I look forward to hearing from you,

Jon

 

507-226-8121

dekokinsgroup@gmail.com

[tweetthis]Ice Dams #Insurance #DeKokInsuranceGroupInc #Icicles[/tweetthis]

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Filed Under: DeKok Insurance Group, Home Owners Insurance Tagged With: better policies, better prices, DeKok Insurance Group, Ice Dams, Insurance, Insurance Questions, Jon DeKok, MN home insurance, MN insurance, MN Insurance Information

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