English translation, article originally appearing in the Vision China Times, Melbourne (30 October 2015)
WILL YOUR INSURANCE COVER THE LOSS FROM PROPERTY BURGLED THIS JANUARY?
As we reach the end of a year of hard work, we’re all looking forward to summer holidays… all except Melbourne’s thieves, who are looking forward to empty homes and easy money.
For the past few years, January has been the worst month for home break-ins. The most burgled areas in Melbourne are in the west and north of the city, for example, Heidelberg West, Heidelberg Heights, Hoppers Crossing, Broadmeadows and Preston. Wealthier suburbs in Melbourne’s inner east are also targets for thieves, for example, there were 9 burglaries and 2 attempted burglaries in just one night this October, in Camberwell, Hawthorn, Kew and Ashburton. There are a few steps you can take to improve home security to reduce the risk of becoming the target of crime. However, it’s also important to make sure that you have the correct insurance in case you are unlucky.
Home security measures
The following tips can help you make your home more secure:
Preventing crime during the holiday season
If you are going overseas and leaving your home vacant, be careful with your personal information online, for example, posting your holiday plans on Facebook and Wechat means that you are broadcasting that your home will be vacant. You should also make it look like someone is home. For example, get your neighbours to collect the mail, bring in the bins, close the curtains and hang some old clothes on the line.
Insurance for your home
It’s impossible to prevent all crime, so insurance is critical in protecting your valuables. Thieves will take items like designer bags, cash, jewellery and electronics, and this can quickly add up – in 10% of burglaries, the victim will lose more than $50,000 worth of goods. Home insurance is readily available online, but you must make sure you get the right type of insurance for your home. There are a few things to be careful of: