Who needs a safe-deposit box? - home safe-deposit boxes cheap alternative to bank vaults

Who needs a safe-deposit box? - home safe-deposit boxes cheap alternative to bank vaults - Brief Article

Maybe not you. A home safe is more convenient--and cheaper, too.

Digital-age bank customers don't spend much time in bank lobbies anymore. So why cool your heels waiting for admission to the bank's vault, where you've stashed your valuables in a 3- by 5- by 18-inch metal box? Although a safe-deposit box is a safe place to keep birth certificates, deeds, insurance policies, rare coins and other hard-to-replace possessions, a good home sate can be cheaper and more convenient--and no less secure.

A bank vault may withstand fires, explosions, burglaries and floods, but none is "fireproof, bombproof, waterproof or burglarproof," admits Joyce McLin, executive director of the American Safe Deposit Association. During the 1993 Midwest floods, for example, water seeped into the vault of one Missouri bank and damaged the contents of some safe-deposit boxes. (Keep your documents in sealed plastic bags, McLin advises.)(Continue Reading)

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