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Nineteen states and the District of Columbia have hurricane deductibles, according to the institute. Some states — including Alabama, Mississippi and South Carolina — offer a tax deduction for money deposited in special catastrophe savings accounts, to help homeowners set aside funds for their hurricane deductibles. Some policies offer discounts if homeowners use reinforced shutters to protect windows, or use special clips or straps to help secure roofs during storms.

Our homes are our sanctuaries, so it can be devastating to be a victim of a burglary. Statistics show that burglary is a fairly common crime, with the FBI reporting an estimated more than 1.5 million burglaries throughout the United States in 2015, the most recent year for which numbers are available. Although it is natural to assume higher crime areas are more at risk, even the safest neighborhoods are vulnerable. There are steps you can take to make your home less of a target for opportunistic thieves, including installing a home security system.

Home security systems work by reinforcing entry points around the house, such as doors and windows. Using a system of electronically networked sensors, these points are connected to a central control panel, usually in conjunction with interior motion detectors. For doors and windows, sensors are made of two parts, one which installs on the frame and the other on the moving part (the door or the window). When the alarm system is activated with windows and doors closed, the two portions complete a circuit.

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