In the 2002 thriller movie "Panic Room", mother Meg Altman and daughter Sarah went through a horrifying experience when three burglars entered their house.
Armed and dangerous guns, the three burglars terrorized Meg and Sarah.
It happened in a movie but house break incidences are also highly possible to happen in real life.
Whether you are living in a house, apartment or condominium you are not safe from being victimized by burglary.
According to the Federal Bureau of Investigation a burglary occurs very 15 seconds.
Nowadays, house thieves are becoming bolder as they attempt to rob houses with dogs and alarm securities.
The question you should ask now is: "Is your house safe enough?" California homeowners are securing themselves against burglary and theft.
Many of these homeowners after buying a house, immediately ask for free home insurance quotes, California has a high rate of burglary cases reported, that is why it is necessary for Californians to have their homes insured.
Home owners can increase the safety of their homes by adding anti-theft systems like, burglar alarms and security locks.
By doing so, they can also lower their premiums.
Homeowners should not be complacent once they already acquire a policy for their homes.
Home insurance covers for theft however there are exclusions which they do not cover damages and loss caused by theft.
Loss and damages caused by theft by someone the householder has let into the property is not cover by insurers.
Agencies also do not cover for the loss and damages from theft when the property is left unoccupied for a long period of time.
Some burglars and thieves are very crafty when they break into houses; they know how to deal with dogs, alarm systems, security locks.
So what will you do incase your arrive and you found out that someone has broken into your house and has stolen your valuables? What should you do help you claim from your insurance agency? The first you should do is report the incident to authorities, immediately call the police department and file a report.
If you discover the burglar is still in the vicinity call 911 and stay away from the thief especially if he/she is armed.
Keep the incident report number of police for future reference when you file a claim with your insurer.
Once you receive the police incident report number immediately call your agent.
If they have a 24 hotline, do not hesitate to instantly report the burglary incident and make claim on stolen and damaged items.
Look for witness and gather information about the burglary, prepare a well detailed report.
Give a full detailed report when you talk to your agent.
Give important details about the robbery to your agent especially the manner how the burglar entered your home.
Document and make a list of any damaged property before the repairing of the items.
Take pictures or videotape the damages, this will serve as concrete proof of all damages during claims.
There will always be opportunists lurking everywhere, your home is not exempted from being robbed, the loss or damaged items can be easily replaced if you have a policy.
If you still do not have one secure your house and get free home insurance quotes, California has many reported cases of robbery and burglary, so have your home insured and don't be added to the list of victims of these crimes.