Reasons for You To Have a Home Security Plan

The Police are just an implied threat of the consequences. Once a criminal takes the risk of committing a crime, police is in no position to prevent that from happening. They are simply not sufficient in numbers to patrol at every place at all times.
The plain reality is that as a person, you yourself are responsible for your and your family's safety. If you have security devices including a smoke alarm and a separate phone with a 911 auto-dial, then you surely need a plan.

Police has the responsibility of catching criminals, fire investigations, crime investigations, traffic law enforcement, beat patrol, writing reports, answering few domestic complaints, testifying in court, interaction with justice and government officials, etc.
Some facts:

• There is just one police office and two lawyers for about 650 people in US.

• About 22,000 Americans are injured and 4500 die each year from several fires and injuries.

• About 25 % of households in America report some kind of burglary.

• A property related crime occurs in US every 3 seconds
For this reason we are have insurance? You must think of insurance as a "add on" to your entire home security plan. You must remember that a reliable home security plan can successfully lower your insurance commission each month.

A usual home insurance police covers:

1. Your house- just the replace cost and not actual value.

2. Many other structures like pool, storm shelter or garage are usually covered at 10 %of your house value.

3. You will get living expenses if you are not able to live in your house as a result of some damage.

4. Any medical cost to the guest who may experience some accident in your house. Insurance surely cannot replace all those things like photographs, heirlooms, personal items or loved ones. Even if by luck everybody at your house escapes some tragedy without any harm, your family members may not be able to recover their peace of mind.