6 Steps To Keep An Empty Home Secure And Safe

It is well documented that empty properties are far more susceptible to damage than lived in family homes, both through natural causes and the actions of vandals. By following our 6 simple steps below, the risk of this happening can be substantially decreased, giving you complete peace of mind that your unoccupied property is as protected as possible.

Clear the post
Having letters and promotional flyers hanging out of your letterbox, as well as piled up around your door, is a telltale sign that nobody is living at the property. More than this though, it can make it obvious that nobody is even visiting with any frequency. This obviously makes the property a much more appealing target for thieves looking for an easy break-in.

Maintain your gardens
Another giveaway that a property is long-term unoccupied is a wild and overgrown garden. This is less of a problem over the winter when not much is growing, but during the summer months it is vital that you dedicate a certain amount of time to keeping your property exterior presentable. Mow the lawn, cut back any overhanging foliage and remove any dead plants and flowers to make sure your property looks loved and cared for.

Check your doors and windows
As there will not be someone at the property for a lot of the time, you need to make sure that the best quality locks are fitted to your doors and windows to make it far more difficult to access your home illegally. You could even consider adding multi-locking deadbolts to the main access doors to provide additional security. When checking the property, make sure that all locks are in good working order and there are no signs that somebody has been trying to gain access.

Consider extra measures
Where budget allows, installing a burglar alarm can be an excellent deterrent, particularly if you invest in a system that is fully monitored by an external company. CCTV cameras can have a similar effect, as can motion sensor lights at key points around the property’s exterior. If it is impossible to access doors and windows without triggering one of these systems, it is far less likely that thieves will choose to target your property.

Ask your neighbours for help
If you have a trusted neighbour or friend who lives close to the empty property it is advisable to ask them to check in periodically. Not only will this make the property look more lived in, it also means that any damage will be picked up when it first starts and before it develops into a large problem (for example a small drip that turns into a massive leak over time). On top of this, such checks will often be a stipulation of your home insurance policy, making them a vital occurrence.

6 Maintain the property exterior
Similarly to maintaining the garden, keeping the exterior of a property looking fresh helps to keep it safe from damage. Repairing any areas of flaking paint or rotten woodwork helps to keep the property looking its best, as well as preventing any expensive damage from taking hold. This is particularly important if the property has an area that is particularly susceptible to damage, such as a flat roof. The property’s neighbours will also thank you, as an obviously empty property in a poor state of repair has been proven to bring down the value of neighbouring houses.

Essential Characteristics Of Term Insurance Plans

Take a look at the essential characteristics of the term insurance plans and you will know why it is beneficial for you.

Characteristics of term insurance

Here are the essential characteristics of term insurance plans:

1.Inexpensive: One of the main characteristics of term insurance is the affordability factor. A term plan is less expensive than a traditional endowment plan. This is mainly because term doesn’t usually offer a return on the premiums that you pay. There is only a life cover that is paid to the nominees upon the policyholder’s death. If you outlive the policy period, you will not get anything in return. This is a practical contract and allows you to buy life insurance at an affordable rate.

2.Simplest: Term insurance is one of the simplest form of life insurance. It is very easy to understand and is the most flexible type of life insurance plans. You simply have to pay the premiums regularly in order to get covered for the tenure you opted for.

3.Quick and convenient: Term plans are easily available online. This makes it very easy to own a term plan. You can simply log on, run a quick comparison of the available plans and make a purchase on the spot. To encourage people to buy term insurance, most insurers have relaxed the norms related to documentation, eligibility and other requirements that previously made term insurance difficult to obtain.

4.Flexible premium paying options: You can opt to pay your term insurance premium in many ways. You can pay it up front in one go or you may pay it over the duration of the policy. You have the options of paying annual, semi-annual, quarterly and monthly premiums on your term insurance plans. This flexibility offered is another wonderful characteristic of term life insurance.

5.Flexible pay out options: The objective of any life insurance plan is to provide financial stability to the surviving family members of a deceased policyholder. You therefore would want your nominees to use the death benefit in the best possible way. Keeping this in mind, you can choose either a staggering pay out or a lump sum pay out for your nominees. The lump sum option would pay the entire sum assured in one go. The staggered pay out would divide the death benefit in parts and work as monthly pay outs. This would work as your income replacement and help your family cope with the financial loss.

6.Riders: You can add riders at an extra cost to your term insurance plan and customise it for yourself. Riders are add-on benefits that offer added protection. And since the insurance needs vary from person to person, you can buy a rider along with your term plan to cater to your insurance requirements more closely. This is another characteristic that makes a term insurance plan useful.

7.Tax benefit: Term insurance offers d tax benefits too. The premium you pay on your term plan is tax exempted and you stand to get a tax benefit of up to Rs. 1.5 lakh. The proceeds from a term insurance plan are also tax free, making it a wonderful tax-saving tool.

What Is The Cost Of A Physician Disability Insurance Cover?

Owing to the fact that the resources and assets at people’s disposal are shrinking day in day out, human beings have learned to be careful when it comes to spending. They will always remember to ask the question of what the cost of something will be. There are high chances that some people are interested in taking physician disability insurance and are wondering how much it will cost them. If you are one of them then keep reading to learn more.

Sincerely speaking it might not be possible for and individual to quote the exact cost of taking such a cover. Any person who comes up with such a figure might be wrong. They will be wrong because the conditions surrounding a single person might not be the same conditions surrounding another person. To determine therefore the amount of money an individual will be expected to part with will depend on some aspects which include the following:

Age of the insured

Once a person makes up their mind to go for Physician Own Specialty Disability Insurance then they should stay informed that their age will determine the amount of money they will have to pay as premiums. In most cases the amount of premiums increases as the age advances. This means that the younger a person is the cheaper their policy will cost.

This should be a motivating factor to the young people. They should try as much as possible to go for these covers because if they wait longer the price of the policy will go high. Taking this advantage can be a wise decision in one’s life.

The gender of a person

In most cases people forget thinking about gender of the person taking the cover. In general, the females have high chances of facing the risks insured against. This will imply that the higher the chances of getting impairments the more amount of premiums an individual should expect to pay.

Those people who are of a masculine gender will purchase the cover at a relatively lower price compared to their counterparts of the other gender.

Health history of a person

The health history of an individual can tell us more of what we should be expecting. Those people who have been having several ailments or those whose family tree is known for certain defects should be prepared to part with large sums of money. These health complications have high chances of making an individual suffer from a risk insured against.

An individual with a clean history in health issues should therefore be prepared to pay less amount of money in terms of premiums.

The type of policy

The insurance companies offer a wide range of policies. This means that when making a choice an individual should make sure that comparisons have been made. For instance an individual who gets attracted to the Guardian policy should be ready to pay a lot of money because this is the most expensive policy. So when taking Own Specialty Physician Disability Insurance the type and nature of policy taken is greatly vital to a person.

There is no way all these aspects can affect an individual negatively and therefore there is need of getting worried of things like one is a female, they are of an advanced age, or they have bad reputation in their health history all shall be well.