Aside from personal robbery, house burglary is one of the most common crimes in the Philippines. Its victims don’t simply lose priceless possessions, they also lose their sense of safety in their own home or in their own neighborhood.
Don’t wait ‘till the burglars step inside your home and you certainly can’t rely your home safety entirely on the authorities. Take it upon yourself to protect your home security by boosting measures and always staying prepared for the worst. Doing these things will allow you to protect your property, possessions, and ultimately, your loved ones.
To sleep soundly at night and for your family’s peace of mind, here are some tips to make your house burglar-resistant:
Tip #1: Don’t Show off Your Possessions
Parking your luxury car on your lawn or displaying your 60” TV near the window will attract not only admirers but also burglars. Keep your expensive belongings safe from prying eyes, especially because you can’t know if someone’s out to find a target in your area. You’d rather be safe than show off and expose your home to danger.
Tip #2: Make Them Think Someone’s at Home
Don’t make it apparent that you’re away, especially if you live alone. Create an illusion that someone’s at home. For example, leave a light on; or you could perhaps program a TV or radio to turn on at specific times. Burglars will think twice before breaking in a house with fully aware people in it.
Tip #3: Install a CCTV camera
Aside from creating the impression that your house is busy, let them know you have one installed in your house. Chances are, burglars would stay away from your house. Also keep in mind to monitor your CCTV camera for any suspicious activities outside your house. CCTVs camera recordings can also be used as evidence in case someone breaks into your house.
Tip #4: Don’t Leave Your Spare Key Outside
This might be the most practical and easiest way to retrieve your house key, but it puts your house at risk of burglary. Someone might’ve seen where you’ve retrieved your keys at some point, making it easy for anyone to break into you house. Give your spare key to a trusted friend or a neighbor instead.
Tip #5: Lock Up
This is the most obvious way to keep your house safe, but many people still forget to do it. Lock up every entry point in your house, may it be the gates, windows, or holes big enough for anyone to squeeze in. Make sure that these locks are not cheap and not easily breakable.
These are basic tips you could do to add up security to your home and you can do a whole lot more. Installing emergency alarms or keeping a dog will also do the trick. But above all, always be vigilant and be extra careful when leaving the house without anyone else in.
To help you secure you home better, MAPFRE INSULAR offers home insurance programs that would insure your family’s financial security in case of house burglary or other house emergencies like fire. For more information, visit their site at:https://www.mapfre.com.ph/insurance-ph/personal/home-insurance/
Home is where the heart is. Click here to get a quote now!
Picture this; your dream home. Looking at your temporarily empty lot, you are now ready and able to build that house you have always wanted. You have a list of all the important things you have to consider: the color scheme, how many rooms should it have, should the dining room be beside the kitchen or the living room and where can my loved ones hang out so you can bond together. You can visually imagine what your new home will look like.
For your dream house to become reality, the first thing you need to do is to, well, build it. However, you can’t just go around and start building houses without securing the proper permits, or else you will risk stopping construction midway.
Feeling lost? We’ll guide you through the entire process.
To get a building permit, the first place you’ll need to visit is your city or municipal hall where you will find the Office of the Building Official. This is where you will get a checklist of all the things you need to secure a building permit. One of the things you’ll need to provide, which you will find included in the checklist, is the Proof of Property. This basically contains the documents that say the land is all yours to build a house on. A photocopy of your Transfer Certificate Title, Current Tax Receipt and Certified True Copy of your Tax Declaration of Property-lot will suffice as Proof of Property.
You can’t build your dream house on your own. You will need an architect, a master plumber and engineers with different specializations at your side. You will need them to provide photocopies of their PTR numbers and PRC licenses to make sure they are all legitimate. They will also be the ones to fill up your Building Permit Form, Electrical Permit Form, Sanitary Permit Form, Complete Sets of Detailed Plans and Bill of Materials and Specification.
Lastly, you will need a Permit Billboard, which you will put up on the construction site of your dream house, and a Location Clearance, to guarantee that the site is safe to build your dream house on. There are other forms that you will need to secure depending on the design of your house (like how many floors it will have) and if you own the lot where your dream house will stand.
Once you have all these, you can submit them back to the Office of the Building Official.
Next, you will go to the Assessor’s Office of your city or municipal hall. They will in turn give you an Acknowledgement Slip. This slip contains the date and status of your application. Once it has been approved, you will get an Order of Payment for the fees. These fees vary depending on the design and location of your dream home.
After paying for the fees at the Treasurer’s Office, you will get an Official Receipt. Bring a copy of the receipt to the Office of the Building. Finally, you can now claim your Building Permit.
Now you’re all set to start building your dream house. Whatever size, color or shape it will be, as long as your heart is there, its home. And to make everyday living even more worthwhile, a trusted home insurance partner like MAPFRE INSULAR is what you need to secure you and your assets.
Find out how MAPFRE can help you make the most out of your dream home by visiting their website: www.mapfre.com.ph
Protect your home. Protect your family. Get a quote now! Click here.
Your home protects you and your family. It’s where you share your precious times together. It keeps you warm at night and serves as shelter for the storms. But sometimes, storms can get too strong and can cause massive damages to you humble abode.
Accidents and natural disasters are beyond your control. You can, however, be prepared for them and protect your family. Getting home insurance will provide just that.
People sometimes fail to see how practical and important it is to have house insurance. In fact, there’s a handful made available in the Philippines you can choose from. And if you do have insurance, did you check the coverage and benefits?
- Basic Insurance
The accident that most houses are prone to is fire. Standard insurance policies often include fire in their coverage. This is usually the most affordable type of insurance. It also includes lightning.
If a sudden fire or lightning hits your home, you will not need to panic with the finances.
- Basic Insurance with Additional Benefits
This insurance also covers fire and lightning, but it includes support as well, as it offers added financial aid. Benefits include medical and relocation allowance, legal assistance and bereavement support.
This type will make it will easier for you to recover from the damages and loss due to fire and lightning.
- Comprehensive Insurance
The Philippines is along the pacific ring of fire. This makes it prone to massive earthquakes. It is also a country that experiences extremely strong typhoons and flood like Ondoy and Yolanda, being the archipelago that it is.
To cover devastating losses from any acts of nature that could happen, like earthquakes or flood, opt for the comprehensive insurance plan. This insurance plan offers a broader coverage because aside from natural calamities in the basic packages, your home will also be protected from other perils such as explosions, falling aircraft, fire and even vehicle impact. It also covers accidental water breakage and robberies. With the comprehensive insurance plan, your home will be protected plus you will get extra financial benefits.
Aside from all these, comprehensive plans may come with personal liability coverage.
- Comprehensive Personal Liability
In the event that there are other people affected when an accident happens in your home, this insurance plan will protect you from liabilities.
Get the insurance plan that will protect your home and your family entirely. Check the extent of the coverage of the insurances to make sure that you get what you really need. There is no telling when natural calamities or accidents will strike. If the unfortunate event happens, the best course of action is being prepared.
Make sure that you’re covered, MAPFRE INSULAR offers home insurance packages that include the mentioned coverages. Learn more about home insurances through visiting the MAPFRE INSULAR website: www.mapfre.com.ph.
Protect your family. Protect your home.
The transition to go from renter to homeowner is financially and emotionally demanding, because you need to consider a lot of factors before you sign the necessary papers.
In today’s market, prices of condominiums in the metro and housing projects in suburban areas are now more competitive making it easier for Filipinos to purchase their own home. But still, many first-time buyers find themselves lost in choosing between the two for their first buy.
Whether you have specific selling-points in mind or not, this list of pointers will help you assess if a condo or house and lot is the way to go:
- TERMS OF OWNERSHIP
A house and lot gives you the exclusive rights to your property, you don’t have to follow any restrictions or rules imposed by the administration or the decision of all homeowners (whether you like it or not). You can have your own pet which some condominiums might forbid. Owners also have the advantage of passing the property to the children or grandchildren. Condominiums are just actually good for 50 years or until the building is declared unsafe to live in.
Most people who opt for condominiums are the young professionals who want to live cozily while retaining an easy-access to their workplaces. Most condominiums in Manila are built in the vicinity of Metro Manila, particularly near the malls, restaurants, schools, and transportation hubs. With this, you can save time, energy, and money from travelling far, unlike when you live in nearby provinces or towns.
Versatility is the main advantage of owning a house. You can utilize and take up as much space as you want, as long as it’s within your property. You can have your own parking space or a piece for your gardening. You can even set up a store and convert a portion of your house into an office.
Condo, on the other hand, limits your living space and usage of amenities since you have to share these common areas with other unit owners.
- MAINTENANCE, REPAIRS, RENOVATION
One main advantage of owning a house is you have a full control over everything, especially on when and how to remodel your place and make repairs—unlike in a condo unit where you need to first secure permission from the administrative office and building maintenance.
Purchasing a piece of land is to be converted into a house is expensive, unless you do it in the province where the price per square meter is significantly lower than in Metro Manila. Many condominiums offer affordable price range that can accommodate first-time buyers and small families.
- PRIVACY AND SECURITY
Condominiums have a dedicated security team to watch over the unit owners, visitors, and properties while a house’s security will depend on its location. It’s advisable to choose a gated subdivision or village with CCTVs installed in many areas and roving guards.
- AMENITIES AND CONVENIENCE
Most condominiums have their own gym, tennis or basketball court, or swimming pool. Homeowners have the option to install these fancy extras too but that would require a much bigger budget, though these are already available in clubhouse areas in some subdivisions.
Real estate always appreciates, regardless if its house & lot or condo, your investment will invariably increase in value. A condo could generate more rental income than a house and lot with less maintenance expenses. But in terms of re-selling, you will find a house and lot easier to get off your hands. So if you’re buying in an investment point-of-view, you might want to consider those facts.
- TRANSPORTATION AND INFRASTRUCTURES
Condominiums are already in a strategic location with good infrastructure, while houses located outside Metro Manila still requires you to travel for longer hours to reach your workplace. Although much peaceful and less pollution, one common problem house owners in the suburbs have to endure more than condo dwellers is the dreadful Metro Manila traffic.
Aside from the factors mentioned, there are still other personal reasons that an individual needs to consider when choosing to invest in a house and lot or a condominium unit. For every question you may have, seek advice and weight your options.