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  • Jul 12 / 2013
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Smith Home Security Blog

Top 3 Most Common Mistakes Made When Moving To A New Home

Uhaul Moving Truck

Most problems people encounter when moving to a new place are discovered after the move and are due to negligence before the move. This is particularly true with the moving company you decide to use and how well you organize the move.

Failure to do the proper research on your moving company
You would think people would make this a priority, but when a big move is planned, whether across town or to another city, there is simply too much on the mind of family members. Typically, a person will often use a moving company found in the local phone book or one that is close by but not all moving companies are the same.
Getting several quotes from different moving companies is important, but you need to be careful not to jump on the lowest bid and hire them for your move. As with any other type of business, there are levels of professionalism, and you want to hire a company that will take care of your property. The companies that do the best jobs will also have the most experience, so this is an important factor in choosing a moving company.

Failure to purchase adequate insurance
Even after you have hired a top notch moving company, accidents can happen. This is why you not only need to have insurance but the proper insurance. It is not very expensive and will give you peace of mind. It is true that a moving company is obligated by law to provide coverage in the case of damaged or lost goods, but this coverage can be much lower than you assume it to be. It is best to understand what a moving company will cover, then look at the cost of the coverage you would like to have. Although a moving company may have optional coverage for an increased amount of money, this type of coverage is also available from third party insurance companies, and they may have a better deal.

Not taking inventory and organizing boxes in a move.
This is something that probably should be at the top of the list. When people move they start putting things in boxes but forget to label the boxes. If they do label the boxes it will be something generic like kitchen. This is not good enough. After the move is complete, there is never enough time to unpack in a day. Certain items will be needed more quickly than others. Each box needs to be numbered and have a content listing kept as inventory. You can label a box kitchen or other places in the house, but on a separate paper, the contents need to be listed. Once the move is complete and there is a need for a specific item, it can be found quickly.

Other problems when moving to a new home
Although the three problems above are most common, there are others that people experience on a regular basis. One is with underestimated the job of packing. After you move, you can take your time unpacking, but packing for the move will have time constraints. You may not have enough people helping with the packing. If there is a large amount of packing to be done, professional packers can be hired in advance.

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  • Mar 11 / 2013
  • 0
Smith Home Security Blog

How Your Home Security System Pays for Itself

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Many a family has passed up buying a home security system because of money – or the lack thereof. Today’s technology is state of the art, and plenty of consumers think that it’s unaffordable. Since the economy is still in recovery, a security system purchase might seem unwise.

People assume it would put undue strain on their bank accounts. However, home security might actually benefit your finances. Home security systems act as a shield between your family and intruders and guard your possessions and home. Systems are already fairly affordable, but by protecting your finances from worst-case scenarios, your bank account has another shield of defense.

Burglary

According to the Federal Bureau of Investigation in 2011, nearly 2 million break-ins occur each year, each one averaging $2,185 in losses. Home security systems aren’t unreasonably expensive. Some consumers are surprised to learn that one can have their home electronically monitored for little more than a dollar per day. At that rate, a family can secure its home for less than $600 each year. Just one break-in could cost your household the same amount of money it would cost to secure it for more than three years. You weigh the pros and cons: Would you rather spend $2,000 on replacing your possessions after a burglary or on peace of mind for the next three years?

Flood and Fire

Theft isn’t the only threat to home security. Household alarm systems also guard dwellings from flood and fire. These two disasters can result in costly damage to both to your possessions and the structure of your home. Home fires are quite common. According to the National Fire Protection Association, home fires caused roughly $228 in damage per second from 2006-2010. Security systems can reduce damage by alerting homeowners earlier when a blaze breaks out.

Flooding can be even worse, particularly because standard home insurance typically doesn’t cover flood damage from rising waters. You need a separate policy for that. Old flood maps are being updated to reflect current risk levels, and homeowners need to make sure they are properly protected. But rising waters aren’t the only potential flood issue. Burst pipes can also cause trouble. Many security systems have sensors that again can alert homeowners to the problem early and minimize the damage.

Replacing damaged or lost goods and rebuilding part of a home’s structure because of fire or flood issues is awfully expensive. Even if the damage is covered by homeowners insurance, you’ll have to pay deductibles. Again, weigh your deductible against the cost of preventing damage in the first place with a top security system.

Insurance providers also sometimes reward security system owners with additional discounts. You might be able to decrease your premium by 10% just for installing an alarm system. Some security companies offer basic equipment for free. You might receive motion sensors, entryway detection points, an electronic keypad and installation at no charge. Instead of you futzing with complicated manuals, a professional will install your system for you. During installation, ask for a tutorial on how to use your system. Learn how to arm and disarm your alarm and exactly which dangers are monitored. You might need to purchase additional sensors for fire, carbon monoxide, flooding and freezing. Considering the potential for these factors to cause havoc in your household, many consider the extra investment worthwhile.

For consumers, particularly parents, the assurance that comes with a home security system is invaluable. If you’re considering a purchase, get in touch with a security company and your insurer and have an agent crunch the numbers. They can add up in your favor.

About the Author: Shannon Casey is a writer for HomeInsurance.com. With a background in comedy and playwriting, Shannon branched into blogging and marketing in 2011, writing for several national brands. She graduated from Hampshire College in Amherst, MA, in 2010 with a B.A. in Liberal Arts.

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