Protecting Your Home From Theft When on the Market

Updated: 04/04/2014 10:41 PM By: Brandi Powell

Real estate agents are saying the market is busy right now. And we're learning more showings and open houses can mean sellers need to be on high alert.

These are the Kuh kids. They love playing in their family home. Soon, they'll have to play in a different house, because their home is now for sale. Martha Kuh said, "It's just hard because now their toys are too big, and our house is too small, so that's really the only reason we're looking to move."

The Kuh family just put their home on the market. In 48 hours-time they've already had a few showings, which means one thing: Strangers are inside their home, when they aren't.

"When you think of selling a house you think of just getting everything in order and you might go an buy some more expensive pieces to stage it because it looks nice and so I would think of adding stuff, before taking it away [high value items]," Martha Kuh said.

"As we're getting ready to leave for the showing I thought, 'Oh, I'm going to grab that!'" Martha Kuh said, referring to their computer and iPad. It's harder to grab those large treasures. They might have less dollar value, but rank off the charts in memories.

"We feel really vulnerable. We had a showing yesterday and while we were out, people are in here just wandering through our home, and we're wondering, 'Where are they? What room are they in?" Artie Kuh said.

Realtors say it's an active market right now. Carl Rudnitski, with Remax Advantage plus, has been a realtor for 30 years. Rudnitski recommends getting your valuables out of your home altogether. "You can't keep track of everybody all of the time. They go in different rooms, so you need to make sure the temptation is not there."

And while the loss of personal, expensive things might seem like a big loss to you, insurance agents say, if you do file a claim it's not considered a catastrophic loss.

Those claims are filed under theft. A theft-claim will most likely raise your rates for five years.

Most homeowners have a $1,000 deductible, so it's important to weigh what was stolen with that number. It's an extra, but important thing to keep in mind when selling your home.