How to make your home safer and lower your insurance risk, is a question many of us are thinking. When it comes to protecting your home, a little prevention goes a long way. Unfortunately, many homeowners unintentionally make simple security mistakes that can make their property an easy target for theft. The good news? A few small upgrades—and a touch of smart technology—can significantly improve your home’s safety while potentially reducing your insurance risk.
Common Home Security Mistakes
1. Leaving Doors and Windows Unlocked
It may seem obvious, but unlocked doors and windows are still one of the most common ways intruders gain access to homes. Many break-ins occur in broad daylight, and thieves often check for easy entry points before resorting to force.
2. Hiding Spare Keys Outside
Tucking a key under the mat or in a flowerpot might be convenient, but it’s also one of the first places burglars look. Instead, consider leaving a spare with a trusted neighbour or investing in a secure key lockbox.
3. Lack of Exterior Lighting
Poorly lit entryways and dark corners give intruders cover to approach your home unnoticed. Motion-activated lighting or strategically placed outdoor lights can help deter criminal activity by eliminating hiding spots.
4. Ignoring Landscaping
Overgrown hedges or large shrubs near windows provide perfect hiding spots. Keep landscaping trimmed and make sure windows and doors remain clearly visible from the street.
5. Posting Vacation Plans on Social Media
It’s tempting to share vacation excitement online, but doing so can let would-be thieves know your house is empty. Wait until you’re home to post those tropical beach selfies.
Upgrades That Could Help Deter Break-Ins
1. Reinforce Entry Points
Install deadbolts on all exterior doors and reinforce strike plates with longer screws. Consider adding security film to windows to make them harder to break.
2. Install a Security System
Whether it’s a professionally monitored alarm system or a DIY version with motion detectors and door sensors, having a visible security system is one of the biggest deterrents to break-ins.
3. Upgrade to Smart Locks
Smart locks allow you to control access to your home remotely. Many also include activity logs, so you can see who entered and when—perfect for keeping tabs on kids, guests, or service workers.
4. Use Timers or Smart Bulbs
Smart lighting can mimic your normal routine when you’re away, giving the appearance that someone is home. Lights on timers or motion sensors can be powerful tools to deter unwanted visitors.
How Smart Technology Can Help Reduce Your Insurance Risk
Insurance companies are increasingly recognizing the benefits of smart home technology when it comes to reducing claims. Devices that help prevent or limit damage can lead to lower premiums or policy discounts.
1. Smart Security Systems
Cameras, motion sensors, and doorbell cams can help prevent theft and provide valuable evidence if a break-in occurs. Some insurers offer discounts for homes with monitored security systems in place.
2. Smart Smoke and CO Detectors
Early detection saves lives and property. Smart alarms can alert you (and emergency services) of fire or carbon monoxide even when you’re not home—helping prevent extensive damage and costly claims.
3. Water Leak Detectors
A burst pipe or leaky appliance can cause thousands in damage. Smart leak detectors can send alerts the moment water is detected, giving you time to shut off the supply and limit the harm.
4. Smart Thermostats
These devices help maintain safe temperatures in the winter to prevent pipes from freezing—another leading cause of home insurance claims.
Peace of Mind Starts at Home
Home security isn’t just about keeping burglars out—it’s about protecting your investment, your peace of mind, and your family. By addressing common mistakes and investing in smart upgrades, you can reduce the likelihood of a break-in and possibly save on your home insurance.
Want to learn more about how your security measures could impact your policy? Contact your SurNet Insurance Group broker —we’re here to help you stay protected and informed.
