Nobody really wants someone to break into their house, but if you look at the security features of many of today's homes you really have to wonder. Most of them couldn't keep the Gingerbread Boy out, much less a determined career criminal who's got their heart set on the cream filling inside the golden cake that is your house. Needless to say, these easy to crack houses are going to run up the cost of your homeowners insurance quickly. Even if your home is well protected you're going to pay for your neighbor's attractions of the B&E variety.



If you really want to deflate your homeowners insurance rates you're going to have to pump up your home's security. The first place you want to start is with your front door lock. Do you have a deadbolt on your front door? If no-why not? Deadbolts are exponentially harder to break into than standard locks, which is why most people prefer them to the $10 hardware store doorknob special most new homes and apartments are sporting these days.

The next thing you want to do is consider investing in a home security system, preferably one that will connect you directly to the local police department. Granted, they're a little pricey; however, once you've gotten your installation paid for the monthly maintenance fees are usually fairly reasonable. And anything you're going to pay for a home security system is still going to be less than you'd pay to completely refurnish your house. Your television and computer together probably cost twice what you're going to pay to maintain an electronic home security system, and along with saving big bucks by NOT having your home broken into you can also save 30% or more on your homeowners insurance rates.

Once you've invested in decent door locks and you've purchased an electronic security system, what comes next? Right. Your windows. There are two key points of entry for burglars, doors and windows. No matter what you see on tv, it's way too much trouble to whip out a chainsaw and cut a hole in the kitchen wall. Burglars are going to try to go through your doors and windows, so invest in double paned windows with locks that are going to slow them down long enough for your security system to do its job.

Remember, burglars like to target certain types of homes. First and foremost, the less visibility the house has, the better. Clear the shrubs from around your house so you've got a clear view of the street-and they've got a clear view of you. Yes, it cuts down on your privacy a little, but as long as you remember to buy some dark curtains before you get dressed in your living room the added security for your home is probably going to be worth it.

Pumping up the security on your home doesn't just save you money on your homeowners insurance. It keeps you and your family safe. Isn't it time you took steps to protect the things that matter most?