Youlon Naidoo, Executive Head: Claims and Procurement from Miway Insurance

While South Africans tend to prioritise locking doors and securing windows inside their homes, it’s the outbuildings (garages, sheds, patios, and braai areas) that are often the weakest security links. According to Youlon Naidoo, Executive Head: Claims and Procurement from Miway Insurance, people underestimate the risk of break-ins through external buildings. “We can be so vigilant about locking our front doors and activating alarm systems but often forget that a rusty lock on a shed or an unsecured garage door can be an open invitation for thieves,” says Naidoo.

He adds thieves tend to look for the easiest point of entry and often find it in neglected parts of the home. Garages and sheds are typically stocked with easily resold items, and yet they’re rarely fitted with the same level of security as main living areas.

These oversights can really add up, leading to not just replacement costs but also insurance claims. “Improving your home’s security not only lowers your risk but can also reduce your insurance premiums. Many insurers provide lower rates for homes with good security measures, such as alarm systems and secure locks,” says Naidoo

A major vulnerability is failing to change the locks when moving into a new home. “You can’t know for sure how many people may still have a copy of these keys,” warns Naidoo. Replacing all external locks, especially those on garages, interleading doors, and sheds, should be a priority.”

Naidoo states that other common issues include outdated or rusted padlocks on garden sheds, garage doors that do not lock properly or can be easily forced open, as well as a lack of alarm or camera coverage in external areas. Additionally, tools and ladders left outside pose a risk, as they could potentially be used to facilitate a break-in.

Even small improvements like installing motion-detecting lights or reinforcing your garage door, can make a big difference.

While many households have alarm systems, these often cover only the interior of the home. “Extending surveillance to outdoor areas is critical,” says Naidoo. “Install security beams or sensors that cover your garage, patio, and garden spaces. These areas are easy to overlook but are common access points during break-ins.”

For garages with interleading doors into the house, securing both entry points is an essential step for safety. “Treat your interleading doors like your front door, these need a strong lock, and preferably a deadbolt,” Naidoo advises.

Naidoo recommends homeowners take the following steps to better protect outdoor assets:

• Change all locks when moving into a new property.
• Secure garages and sheds with four-lever or double-cylinder locks.
• Install motion-sensor lights around the perimeter.
• Add your garage and shed to your alarm zone setup.
• Trim overgrown hedges or bushes that could serve as hiding spots.
• Keep tools, ladders, and equipment locked away when not in use.
• Secure duplicate keys in a lockbox or safe, never under flowerpots or doormats.

“Criminals tend to avoid properties that appear difficult to access or monitor,” notes Naidoo. “By creating visible deterrents, you reduce your chances of being targeted in the first place.”

Homeowners should also review what’s covered under their home contents or buildings insurance, especially for outdoor items. “Some policies include limited cover for items like patio furniture or washing on the line. Knowing these details helps avoid surprises during a claim,” says Naidoo.

Insurers also factor in your security setup when calculating premiums. “Having a functioning alarm system, even better with smart surveillance or remote monitoring, can help reduce your monthly premiums,” adds Naidoo.

With high property crime rates, the inconvenient truth is that all areas of your home need to be secure, not just your lounge or bedrooms. “We encourage South Africans to treat their garages, sheds, and patios as part of the home, not an afterthought,” concludes Naidoo. “Simple upgrades can save you money, protect your belongings, and offer peace of mind.”