Security tips for a safer home

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If you're like most homeowners, you are concerned about the safety of your home. One particular crime that is unsettling and can leave victims with a feeling of being personally violated is breaking and entering, or home burglary. Home insurance is important because it can assist in replacing stolen possessions, but you can greatly reduce the chance of your home being burgled by minimizing favourable conditions for burglars. The following checklist is designed to help you improve security in your home.

Doors

  • Install a wide-angle peephole
  • Entrance doors should have a solid core
  • Doors should fit tightly into door jams, and strike plates must be secure
  • If hinge pins are on the outside of the door, they should be non-removable
  • When closed, sliding doors need a metal bar to fill the inside track
  • Locks on the inside of doors should be at least 40 inches from glass
  • Use deadbolt locks that extend at least one inch into the strike plate
  • Locks should be replaced after you take possession of your new home

Windows

  • Double hung windows should be pinned
  • Metal windows need a lock or metal bar in addition to a catch
  • Basement windows should be a solid, non-breakable glass substitute or have security bars
  • Windows left open for ventilation should be secured

Exterior

  • Keep shrubs cut below window level
  • Your house number should be easily visible from the street
  • Make sure front and back doorways are well lit or spot lit
  • Keep bicycles, lawn mowers and other gear inside and out of sight
  • Join a Neighbourhood Watch group in your area, and display the decals on your front and back doors

Garage

  • Keep your garage door closed and locked when not in use
  • Remove vehicle keys and lock vehicles in the garage
  • Have a light inside the garage

Home and car alarms

  • Home alarms monitored 24 hours by a central alarm station service may qualify you for an insurance premium discount
  • Alarms should be placed to protect the full perimeter of your residence

Last but not least, take photos

In the case of a burglary, a photo inventory of stolen items, along with serial numbers (where they apply), is an excellent way to show the items when making an insurance claim. It simplifies and speeds up the process of a claim. So take pictures of your valuables and store them in a safe place.

Speaking of home insurance, have you recently shopped around for competitive quotes? It's not a bad idea. For example, when you get a quote at pcinsurance.ca, up to 8 insurance companies are compared on your behalf. PC® home insurance takes the time to look for the best rate and coverage they can find for your situation. For a no-obligation quote and more information, just visit pcinsurance.ca

How to make a claim

Call 1-877-251-8656 to speak with a Claims Advisor.

Renewing your policy

Call 1-877-251-8652 for information regarding policy renewal.

Buying a new policy

Call 1-866-660-9035 for information on obtaining a quote.

Need help?

Take a look at the top 5 FAQs:

  • Why should I have home insurance?

    Why should I have home insurance?

    While the government doesn't require you to purchase home insurance, your mortgage-holder probably will - at least enough to cover its share of ownership. There are various kinds of home insurance that cover general and specific kinds of damage to your home, and you should research your options carefully. You can also buy specialized insurance to cover a condominium, home business, or other kind of property or valuables found in your home.

    Home insurance also includes liability coverage for people who are hurt on your property.

  • Why should I buy tenant's insurance when I live in an apartment and don't have many contents or valuables?

    Why should I buy tenant's insurance when I live in an apartment and don't have many contents or valuables?

    Most people would be surprised at the value of their personal property if they were to add it up and have to replace it all immediately. Think about your furniture, clothing, electronic equipment-then try to put a price tag to it all. Also, if you've purchased items on credit and they are stolen or destroyed by fire, you could still have to make the payments.

    Tenants insurance also includes liability insurance for damage the tenants or their guests cause to the building, for injuries in the rented home, etc.

  • How can I earn PC® points?

    How can I earn PC® points?

    When you use your President's Choice Financial® MasterCard® to pay your PC home insurance premium, you'll get 20 PC points per dollar of your premium. If you use your President's Choice Financial bank card to pay your PC home insurance premium, you'll get 10 PC points per dollar of your premium.

  • What is a deductible?

    What is a deductible?

    A deductible is your share of the amount that needs to be paid to cover the repair or replacement of your covered property before your insurance pays the rest.

  • How are premiums calculated?

    How are premiums calculated?

    The building itself has a lot to do with how your home insurance premiums are set. Many things about your home are taken into consideration including:

    • Its age and size
    • Type of building (detached, semi, high rise, etc)
    • Type of construction (brick, stucco, wood, etc)
    • Type of heating system
    • How close it is to a fire hydrant or fire station
    • Where it is located

See all Home Insurance FAQs

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