Summer may be a time for relaxing, but don’t let your guard down when it comes to crime. According to a study examining seasonal crime patterns that was recently released by the federal Bureau of Justice Statistics, most types of crime are more likely to happen in summer. See Burglaries in Summer, School Assaults in Fall.
- Your house is much more likely to be broken into in the summer – Burglary is 11% more common in the summer than in the winter — that’s more seasonal variation than for any other single type of crime.
- You’re more likely to be a victim of violent crime in summer – “serious violence was significantly higher during the summer than during the winter, spring and fall seasons.”
However, as the Vox article reminds us that muggings, rape and assault – all crimes, really – can happen in any season.
Law enforcement and loss control experts offer a few tips:
Personal Security–At Home, On the Street, While Traveling – Released by the Bureau of Diplomatic Security
Crime Prevention for Homeowners – Tips During the Warm Weather Months
Keep Your Home Safe on Vacation: 9 Essential Tips
Lonely Planet – Top Tips for Safe Travel
LAPD Crime Prevention Tips – tips sheets on a wide variety of scenarios
Prior related posts on this blog:
Going on vacation? 5 steps to secure your home while you are away!
Staying Cyber Safe During Your Vacations
Vacation Rentals and Homeowners Insurance
Curious Klepto Critters Steal Cameras: Will insurance cover this?
First and foremost, stay safe. Things are just things and can be replaced – plus, the right insurance coverage can help mitigate any loss of possessions. Your personal safety is what’s paramount!
The National Association of Insurance Commissioners offers a wealth of insurance information at Insure U. When shopping for homeowners, here are some questions that NAIC suggests that you ask your agent:
• Are the agent and the insurance company licensed by my state insurance department? For how long? (Your state insurance department can confirm the answers to these questions.)
• How can I find out the claims history of the home before I buy it?
• If I submit a claim, how will it affect my premium when I renew the policy?
• What discounts are available?
• What does the policy cover? What doesn’t it cover? What are the limits to the coverages?
• How much coverage for my personal property do I need?
• Should I buy flood insurance or earthquake coverage?
• How will my credit history affect my premium?
Learn more at A Consumer’s Quick Guide to Home Insurance (PDF)
A recent research report shows that kids suffer more injuries on holidays – and that Labor Day and Memorial Day are two of the most dangerous days for kids. Researchers say his is likely because these holidays are often celebrated outdoors and kids are more likely to take part in physical activities.
Researchers collected childhood-related injury information from the National Electronic Injury Surveillance System, a nationally representative sample of 98 U.S. hospital emergency departments, comparing records for eight major holidays over a 10 year period. The study did not include car-related injuries or minor injuries that did not require emergency room treatment.
According to an analysis of the research report written by Rachel Rettenr of LiveScience.com:
- 62% of the holiday injuries happened to boys
- 29% of the injuries happened to children under 5
- 41.6% of the holiday injuries were sports or recreation related
- About 20% of holiday injuries were “home structure” related, including injuries from doors and countertops
- About 16% of holiday injuries were related to home furnishings, including chairs and tables
- 29% of he injuries were lacerations
Here are a few tips to help keep your kids safe on Memorial Day:
The J.D. Power and Associates 2008 Insurance Customer Contact Study recently surveyed nearly 12,000 home and auto insurance customers to assess satisfaction. Survey participants had interacted with their current insurer within the past 12 months, either through an agency, call center or Web site. The results show that insurance customers who interact with a local agency tend to be more satisfied than customers who interact with their insurer’s call center. According to the study, “…routine service interaction is the most important element driving customer satisfaction, accounting for 38 percent of overall customer satisfaction with their insurer.”
Regardless of which method customers use, quick resolution through a single channel is an important element of satisfaction:
“Having a streamlined contact process is most ideal for customers, and in particular, those interacting with their insurer’s call center often have higher expectations than those interacting with an agency,” said Bowler. “For instance, call center customers are most satisfied when their issues are resolved the same day they contact their insurer, while agencies can take slightly longer before customers become less satisfied. Similarly, customers expect an agent to retrieve their information in two minutes or less, while call center representatives have only one minute before satisfaction declines drastically.”
The survey also reports that one-fourth of a customer’s overall impression of their agent, agency staff, or call center representative is driven by their perception of the service channel’s courtesy and friendliness.