Will a Personal Safe Lower Homeowner’s Insurance?

 

A person’s home is their castle. It’s the place they should feel safe and comfortable. When a person buys a standard home insurance coverage policy they are protecting themselves for those “just in case” moments when bad things could occur. Homeowner’s insurance typically pays for damage or destruction to a person’s house and their personal property.

 

Does owning and using a safe to store your valuables get you a discount on your homeowner’s insurance? Sometimes it does. It’s a smart idea to mention that you keep your expensive items locked up in a safe and see what your particular insurance company thinks about that– they may offer you a discount on your premium because the likelihood of anything bad happening to items in a safe is low.

 

sure. Because they’re locked away in a safe, these items are essentially safe from damage or destruction. Safes offer both security and fire protection– two things insurance companies appreciate.

fire and burglary safe

Some insurance companies keep a list of certain safe brands that will specifically help you get discounts. Things like “fire ratings” or the size and strength of the bolts/locks can come into play with the idea that the stronger the safe, the better chance that whatever’s in it will not be easily stolen or destroyed…hence, the insurance company can “rest easy” knowing they won’t have to pay for replacing certain valuable, expensive items since the safe is so…safe.

 

In the past, people used to think of storing their important items in a bank’s “safe deposit box.” Today, with personal safes being affordable, it makes more sense to own your own safe for use in your own home so you have unrestricted access to it at any time. Furthermore, there’s a peace-of-mind that comes from knowing where your specific valuables are being kept and that you can use your combination to open your safe to check on the items at any time.

 

When looking to buy your own safe, always buy one that’s physically bigger than you think you need at the time. Bigger is better when buying a safe as you’ll tend to fill the space up over time. Factors to consider include the thickness of the safe’s metal (or other materials), its type of locking mechanism, and its fire rating.

 

If you notice the term “TL-15,” which include some of the safes for sale on Value Safe’s website, that means the safe door can successfully resist entry for a net assault time of 15 minutes when attacked with common hand tools, picking tools, mechanical or portable electric tools, grinders, drills or pressure devices. A TL-30’s safe door can pass the same test for 30 minutes. Do note, however, that this does not include attacks on the sides or top. If you want a safe that is extremely strong on all 6 sides, choose a TRTL-30X6, which can withstand a 30 minute torch/tool attack on all 6 sides of the safe.

 

As for fire ratings, consider purchasing a safe that offers at least a minimum of 1 hour fire protection. Keep in mind that no safe is totally fireproof…most safes, however, are quite fire resistant and able to withstand 30 to 150 minutes of fire.

 

Safes keep your valuables safe. Remember to ask your insurance company if they offer any discounts for owning and using safes to store your most valuable assets.
 

 

Ways to Prevent Home Burglaries

One of the easiest crimes to prevent is a burglary. Though it may be difficult to know of or to prevent the trespassing of an individual, you are the one who can control the safety of your valuables. Depending on your neighborhood, having a safe to secure your valuable belongings can quite possibly be a necessity. But, surprises are thrown at us all the time; even the safest houses and neighborhoods can suffer from burglaries from time to time.

 

 

Another way that your goods and valuables may be stolen or destroyed is by natural disasters, house fires, or floods. By keeping your most valuable goods in a safe place, you can prevent them from being burned in a fire, soaked in a flood, or being lost with debris during storms, tornadoes, or hurricanes. Why chance it?

 

Some of the Most Common Stolen Items from Homes:

  •   Money
  •   Precious jewelry and expensive metals, plaques, or trophies
  •   Expensive office equipment
  •   Firearms
  •   Medications
  •   Cell phones, laptops, tablets

 

Can you imagine having any of these items stolen from your possession in the blink of an eye? Why take the risk, invest in a safe today.

 

Value Safes, Inc. is a company that specializes in keeping their customer’s items safe. Offering safety and security containers and storage of all different sizes, shapes, and protection intensity, this company has something for keeping your valuables safe. Not all safes are what you probably think – large, difficult for even the owner to unlock, and spacious. With Value Safes, you can choose from a selection of safes and storages of all different sizes that will fit into any nook or cranny in your house. Also offered are safes that are fireproof, waterproof, and humidity proof to secure any perishable belongings.

Six Types of Important Documents You Could Lose In A Fire [Infographic]

 

If you’re one of the many children who sat through fire-safety demonstrations back in grade school, you probably remember lying awake at night, petrified with the fear of your home catching fire. As adults, we worry in a different way, by making sure we’re prepared with fire alarms and exit plans that ensure our family’s safety. But one thing we don’t think about enough are the documents that are very difficult or even impossible to replace in the case of a fire. Here are six types of documents that you might think about protecting with a fireproof filing cabinet or safe.

 

Government Issued

While losing a passport, birth certificate, marriage certificate, or social security card might not be the end of the world, these government issued documents can be tough—and sometimes very expensive—to replace. You probably don’t need to use them very often, so why not keep them in a safe place?

 

Sentimental Keepsakes

This category could entail very different things for different people. Maybe you have the original copy of a picture of your grandfather serving his country, or a lovely poem written by your spouse back in high school. These are the types of items that can truly never be replaced and are absolutely devastating to lose.

 

Worst-Case

We don’t mean to get all doom-and-gloomy, but house fires are dangerous, and there’s always a chance that someone won’t make it out. That’s why it’s important to have a will stored safely, as well as any advance directives and powers of attorney. Remember to check with your state laws to see exactly how you should prepare for the worst.

 

Contracts

Did your neighbor loan you a llama a few years back? Are your friends legally obligated to pay your bar tab every time you’re together? Good luck proving it without a legal contract, especially when they validate less ridiculous deals than these.

 

Property

It’s important to have proof of what you own, especially if most of it has burned to ashes in a fire. While deeds and titles should be your first priority, a home inventory can be a lifesaver when dealing with insurance companies in the wake of a fire.

 

Digital

Some might say, “Who keeps paper documents anymore? All my stuff is backed up on this tiny thumb drive.” We’ll see how well that miracle of modern technology stands up to scorching flames. It’s great that we can back up a bunch of our stuff digitally, but the backup still needs to be protected.

 

To save yourself the extra headache if and when a disastrous fire strikes, order a fireproof safe or filing cabinet from ValueSafeInc.com today.

 

As well, below is an infographic of tips on how you can prevent residential fires.

 

Residential Fire Protection