Are you prepared if your house were burglarized?
My girlfriend returned home last week to find that her house had been burglarized. She had only been gone an hour!
Her back door had been smashed in and everything was taken. They had gone through every drawer and closet and even flipped over all the mattresses.
TVs, computers, wedding rings, check books, credit cards, passport… everything was gone! (They missed her iPad that was in the magazine rack. Let that be a lesson to you kids.)
She was so smart because she took the kids out of the house before they realized what happened, and they went for a playdate at their friend’s house for two days while the parents got the house sorted out. I don’t think the kids know they were burglarized. She didn’t want to scare them, which was very wise.
So my question is: Would you be prepared if your house was burglarized?
- Do you have insurance on everything – including computers and jewelry that might fall outside your regular homeowner’s policy?
- Do you have a list of everything in your house so insurance can replace it? Does anyone have this? Creating this list feels overwhelming. A friend said she thought Clark Howard suggested to videotape everything. It’s easier than making the list plus you have photographic evidence of your stuff. This sounds more doable.
- How would you get cash if your checkbooks and credit cards were off the table? (They took a cash advance off her husband’s work credit card but I am wondering about leaving yourself cash in a safety deposit box?)
- Do you keep your passport and other important papers or jewelry in a safety deposit box? Safety deposit boxes don’t seem to be in vogue anymore but they may be cheaper than carrying insurance on items such as jewelry you rarely wear.
- What would you tell the kids? Would you have the presence of mind to get the kids out of the house before they figured it out? (Her kids are little. I think my big kids would have figured it out.)