The Washington times., 1930-11-25
POLICY
ESSENTIAL At
THIS TIME
Increasing Number Of Armed
'JObs' Leads Expert to Advise
Policies to Protect Cash
By FRANK F. LOOMS

In these days OF hold-upS and
burglaries, there is hardly a daily
newspaper in the country but
what records from one to dozen
crimes of this nature every day.
This is particularly true in the
larger cities, where parties are
followed home in their automo-
biles from the opera, theater, or
other places of amusement, and
then, when alighting from their
car in front of their residence or
garage, are held up and robbed,
not only of what money they
may have in their possession, but
of rings, watches, any valuable
ieWelry and fur coats.
Personal hold-up insurance can
be carried to protect any finan-
cial loss as a resSlt Of these
crimes and Is very essential this
winter with the unemployment
situation throughout the country
and crimes Of this nature on the
increase everywhere. Such pol
icy may be secured to cover losses
by hold-up, no matter when or
how it may occur. and the cost
is not high considering the risk
involved. This insurance cover
age is written by practically any
and all of the large casualty
companies.
Fur Insurance
For instance, woman may In
sure her fur coat for q nominal
sum Of 81 a year for each $lOO
of value. This covers theft or
loss of the coat in any manner,
not only in case Of a holdup, but
if lost anywhere. The cOVerage
is worldwide, wherever the coat
may be, including permanent resi-
denCe, hotel, restaurant, theater,
in storage. and in all perilS Of
travel or transportation.
The same broad COVerage pol.
icy may also be secured for theft
or loss Of jeWelry, at q little
higher rate.
1t is equally important to in
sure against burglary in the
home. A blanket policy may be
purchased covering everything, in
cluding household goods, rugs,
pictures, sterling silver, clothing,
jewelry. furS and, in fact, every
thing in the house, but not ex-
ceeding $50 in money. This COW
erage can be secured at a very
low rate, and also when the house
is vacant, which is most impor-
tant.
Vacant Houses Robbed
Numerous burglarieS are COM
mltted in vacated homes. OF
course, in most cases, when q
home Is to be left unoccupied for
some time, valuable furs, jeWelry
and SilVerWare are put in safety
deposit vaults, but the furnish
| lngS OF a home are of great value
to the owner and should be pro-
tected. Only a short time ago, in
a suburb near Chicago, while the
family were away at their sum
mer home, parties backed a van
up to the house, and removed
practically everything there was
i'll it. The neighborS simply
thought the family were moving.
1t would be well to consult one
Of the large casualty companies
or brokerage firms as to the vari.
Gus forms Of policies, outlined
above. to protect yourself against
financial loss from both hold,ups
and burglaries.
Losses Are Greater
AS a rule, when a man has his
property and furniture covered
by fire insurance, and his auto
mobile insured, he thinks that
Is all that is necessary as far as
his property is concerned, but as
a matter OF fact, the losses are
far more greater from the hazards
described than they are from fire
Another form OF casualty in
Surance which is largely over
looked is what is so-called EN-.
ployerS Liability. Manufacturers
and large industries have realized
more or less the Importance Of
carrying this line of insurance
protection but it became diScon-
nected in home and the maid
was so badly Scalded that ampu.
tation Of a hand was necessary
with the result that large suit
for damages against her EMPLOYER
was brought. There are many
similar accidents happening every
day to servants and the head of
the family is taking great