Tips to Keep Your Valuables Safe

Know the Gaps

Whether it’s your laptop filled with precious family photos or a necklace passed down to your mother from her mother -- your belongings are worth more than just what you paid for them.

That’s why it’s incredibly important to protect your valuables from theft…so you never have to risk losing your precious possessions. Unfortunately, we have lives, and we can’t spend them just watching over our valuables.

So, consider these tactics to fill gaps in your life, and to help prevent your stuff from finding its way into the wrong hands, at home or on vacation.

At Home

1. Keep your documents in a safe: With identity theft on the rise, your personal information is just as likely to be stolen as your ring or your flat screen TV.

Consumer reports* suggests that you stash important documents like passports, birth certificates, tax returns, and insurance policies in a fireproof safe.

But why? Safes are heavy to lift, and can be bolted to the ground, making them a difficult target for thieves looking for a quick getaway.

2. Invest in a security system: Granted, a home security system doesn’t come cheap, and has none of the personality of a four-legged canine. But a recent study found that homes equipped with a burglar alarm are less likely to be robbed.**

Nowadays though technology has advanced beyond your traditional burglar alarm, and it can help fill a gap in your home security.

Smart home security systems have turned into all-in-one hubs that come with HD cameras, motion sensors, sirens and more. So, with such a system, you should get an alert on your smartphone if a thief tries to smash open a window or door and dash away with your valuables.

3. Avoid “hiding” your spare house keys: Keeping your spare key under the doormat or in a planter may be convenient, but they’re predictable hiding spots that thieves know to check in the first place. Instead, consider giving a spare set to someone you trust, such as a close neighbor, or using keyless smart lock, which lets you use a personalized code to enter your home.

On the Go

1. Use a money belt: Money belts are a must-have to thwart pickpockets while traveling. Keep your passport, cash, and credit cards out of sight and under your clothing, rather than in your back pocket or handbag, so they can’t be easily swiped.

2. Hotel room safety: It’s no secret that things get stolen from hotel rooms. Yet, travelers make the mistake of leaving jewelry, cash, and other valuables lying around in the hotel room or in their luggage all the time. It’s much smarter to use an in-room safe or a hotel safety deposit box, if there’s one available.

3. Leave expensive items behind: Leave valuables like laptops, cameras, watches, and jewelry off your packing list. They could cost thousands to replace, and you don’t want to spend your entire trip worrying about losing them.

No matter how careful you are, or how many precautions you take, you can’t always outsmart thieves. And, sometimes belongings tend to get misplaced. It happens!

Unfortunately, the limits on your homeowners policy may not be enough to cover the full cost of replacing your belongings. Typically, homeowners insurance covers valuable items up to a certain amount. But what if you lose an expensive item that’s worth more than the limits on your policy?

That’s a major gap in your valuables coverage! To make sure your expensive stuff is covered the way you want and to close that gap, talk to a Farmers agent.


The information contained in this page is provided for general informational purposes only. The information is provided by Farmers and while we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to this article or the information, products, services or related graphics, if any, contained in this article for any purpose. The information is not meant as professional or expert advice, and any reliance you place on such information is therefore strictly at your own risk.