Purchasing a new home isn’t just about finding the ideal layout or amenities. It is also important to consider how safe the property is. As you compare each of the options available to you, take a closer look at a few key elements that can help to make your home safer. Safer homes often require lower home insurance limits and provide lower premiums, too.
Get a good idea of the surrounding area. Is the area safe? What are the crime statistics for the region? If you are unsure of the area, visit your local police department to find out. Your insurance agent can also help you gauge the level of safety in any given region based on insurance premiums in that area.
Consider the Structure
Homes built with safety in mind are always best. Look for those with walls or security gates around them. While these may not keep everyone out, they will deter those would-be thieves looking for an easy target.
Consider Window and Door Access
Even if you are buying a home to fix up, a property should remain stable and secure to you from the first day. Ensure windows are elevated and doors lock. Be sure to change the locks on all doors before moving into the home. Always avoid giving anyone else the keys.
Add a Security System
Whether you buy a home with a security system on it already or you choose to add one later, this is by far one of the best ways to feel safe in your new area. Even if the area is considered safe, a home security system can give you peace of mind. Be sure to let your home insurance provider know about the new system as well. This could help reduce your costs further.
Be Sure the Home Is Well Lit
One of the most basic ways to deter thieves or vandals is to ensure the home is lit. Sidewalks, pathways, driveways, and other areas of the home that provide entrance to it should be lit. Invest in simple lights that ensure anyone in the area can see who is at your front door, too.
Each of these steps ensures that your new home is one that is safe and affordable to insure. It is also a good idea to speak to your insurance agent about additional steps you can take to improve visibility and security.