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How Much Can a Home Security System Save on Homeowner’s Insurance? June 16th, 2017

It’s fairly common knowledge that installing – and using – a home security system can save you money on home insurance costs. Having a more secured home means you are less at-risk for loss, and your home insurance provider recognizes that with decreased premiums.

However, many homeowners don’t realize that with a few additional features, your home insurance costs can continue to go down – sometimes by as much as 25%, according to Bankrate.com. Things like living inside of a gated community, being a part of an HOA, using the same insurance carrier for both home and auto coverage, or installing updated wiring can all contribute to home insurance savings.

But, you can’t control all of those variables. With a home security system, you can. So, when looking at adding or updating a home security system, here are some of the best ways to save money, earn a return on your investment, and better protect your home and family.

Homeowners insurance, according to a Federal Reserve Board estimate, costs between $300 to $1,000 annually. With the right setup, your alarm system could save you up to 20% on homeowners insurance each year, saving you hundreds of dollars.

What You Can Do To Save Money on Homeowner’s Insurance

SAVE (1-2%) DEAD BOLTS

– Every exterior door – your front door, back door, possibly a door leading out of your garage – should all have dead bolts at a minimum. These are easy to install and can be quickly and inexpensively updated.

SAVE (5%) SMOKE DETECTORS

– Make sure your home has properly installed and functioning smoke detectors. You should have a working smoke detector in every bedroom in your home. And, for 2- or 3-story homes, you’ll need at least one smoke detector on each floor of the house.

SAVE (5 – 20%) SECURITY CAMERAS

– According to The Huffington Post, homes that are not monitored by video surveillance equipment are 300 times more likely to be broken into. While not all insurance carriers will give you a discount for using security cameras, some will, and even without a direct cost savings on insurance, your home will be exponentially less at risk for burglary than it would without cameras.

SAVE (10 – 20%) CENTRAL MONITORING

– Check with your home security system provider, or the companies that you’re researching, to make sure your alarm system is connected to a central monitoring station and is not just an audible alarm. Central monitoring means that beyond just loud alarms, your system is triggering a response for your system’s monitoring team and first responder alerts.

Interested in learning how a new or updated alarm system can work for you and save you money? Learn more about our services or contact us today to see how we can help.

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Posted in: Home Security Systems »  by: admin

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