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Tips for Closing and Protecting Your Vacation Home

August 5th, 2009 admin No comments

August is arguably the best month of the summer, full of sunshine and steamy weather. Maybe you prefer the less-scorching months of June and July, but regardless summer is definitely in full-swing! Your vacation home has undoubtedly been put to good use, the location for family cook-outs, swimming, or simply relaxing. Yet, the summer can’t last forever and while you’re squeezing in all the beach days you can before the summer slips away, you mustn’t forget to plan ahead for closing and protecting your vacation home until the warm weather returns again next year.
In preparation of closing your vacation home, remember to:

  • Clean the home both inside and out, especially the gutters. Clean gutters will ensure that water will remain away from the home, protecting the foundation and eliminating the chance of flooding and mold damage. If your vacation home is located in an area particularly prone to flooding, installing a flood monitoring sensor system is a good precaution, and a simple investment that can save you money in the future.
  • Empty the cabinets and fridge to protect against uninvited animal visitors attracted by the smell of food. So that food doesn’t go to waste, throw an end of the summer party with all the neighbors! Don’t forget to take out the trash, and it’s best to unplug the fridge before leaving.
  • Keep up with landscaping—trim any tree branches that are near the home to protect from damage in case of a bad storm
  • Close your pool properly; it’s plenty of fun while you are there to use it, but it’s a safety hazard when left unmonitored.
  • Contact your utility provider to have your water and gas turned off from the main line. If you chose to have your utilities remain on while you are away, unplug everything to prevent a fire. Security systems with fire monitoring capabilities, where the local fire station is notified in the case of an emergency even when you are away, can give peace of mind.
  • During cold months, your empty vacation home is susceptible to freezing pipes. To prevent this costly mishap, hire a professional to winterize your home. There are also low-temperature monitoring systems that can notify you of dangerously low temperatures in your home—before your pipes freeze.
  • Arrange with the postal service to again have your mail delivered to your full-time residence.

The cleaning is done, utilities arranged to be shut off, and your bathing suits packed in the car—do these last minute precautions to ensure your vacation home remains secure while you’re away:

  • Place all outdoor summer fun items, the grill, bikes, patio furniture, boogie boards, and whatever else you have, in a secure shed. Make sure the lock is working properly before heading ou
  • Take with you any electronics, including stereos and televisions that you can, and hide what has to be left behind. The less tempting your vacation home looks for thieves, the better.
  • Program your automatic flood light over the drive-way to turn on at any sign of motion. Burglars, unlike the rest of us, do not like being in the spot light. If you do not already have a flood light installed, consider one, it can easily protect the home while you are away.
  • Lock all doors and windows as you are about to leave, checking twice to be sure.
  • Finally, have a local friend stop by your property periodically to guarantee your vacation home remains safe and secure. Remember to exchange updated contact information each summer so you can be reached if there is a problem.

So while summer is still here—enjoy your fruity cocktails, the sand between your toes, and that tan you’ve been working on. But when it starts to get a little cooler, and the nights a little shorter, prepare your vacation home properly so that it remains a place of fun for many summers to come. Before you know it, it will be time to for ski lodges and hot chocolate, happy vacationing!


Security Systems and Homeowners Insurance

July 15th, 2008 admin 4 comments

You might be thinking of adding a home security system to increase the safety of your family, to discourage burglary, or just to have a better sense of control over the perimeter of your home or land - but there’s one additional reason for a home security system that you might have forgotten about. Most homeowner’s insurance policies become less expensive when the right type of home security system is installed. ADT offers home owners insurance certificate which save you up to 20% off your home owners insurance. Given the cost of home owners insurance today, and the fact that ADT’s Alarm Monitoringservice is only about 1$ a day, the ADT Home Alarm Monitoring service can pay for itself.

The reason for that is fairly obvious; home security systems deter theft and reduce loss, and that means that the insurance company is less likely to have to make an expensive payout. In addition, homeowners who install home security systems tend to be the type of homeowners who go the extra mile in caring for and safeguarding their property, again translating into lower payouts for the insurance company. Insurance is a cost-driven business; when you lower the insurance company’s cost of doing business with you, it tends to lower your cost of doing business with them.

The exact amount of the discount you can expect varies depending on the insurance company. If your company doesn’t offer a discount at all, switch to one that does - there’s really no excuse for them not to. At minimum, most companies will offer a five percent discount on your premiums if you install deadbolt locks on all outside doors. You can get another five percent for installing a simple burglar alarm system. The total discount can go to 20% for installing a full-fledged home security system that is capable of calling police, fire, or security personnel automatically. Other discounts are available for adding things like carbon monoxide sensors, flood detection sensors, etc.

In addition to savings on your homeowner’s insurance premiums, picking the right homeowner’s insurance company can get you discounts on your home security costs! Many insurance companies these days are partnering with security companies to encourage their customers to buy home security systems. For example, national insurance carrier USAA offers a 10% discount on ADT home security system installations for their customers with homeowner’s insurance policies. So not only can you save on the cost of your homeowner’s insurance, you can also save on the cost of the security system that gets you the discount in the first place. It’s almost like getting paid to cash your paycheck - it’s definitely a win-win for the homeowner. Ask your insurance carrier about the existence of incentive programs before you commit to a particular home security solution, and definitely inquire about their specific requirements for the home security system discount - you don’t want to install a system that comes up short of getting you the discount.


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