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How Having a Security System Can Reduce Home Insurance Cost

Published July 28th, 2021 by Secure IT Securities Corp

According to FBI Uniform Crime Reporting, 62.8% of burglaries are residential break-ins. And, the property stolen or damaged during a burglary amounts to an estimated $3.0 billion. That results in a high volume of insurance claims and payouts for preventable losses.

Theft-deterrent systems avert criminals set out to burglarize secure dwellings. Yet according to The Zebra, 46.9% of U.S. homeowners don’t have a security system

The more companies pay in claims the more likely home insurance cost increases. That’s one reason insurers raise homeowners insurance premiums or cancel policies. But having the right security system reduces how much your homeowner's insurance costs.

If you’ve ever looked for tips to save on homeowners insurance, today’s your lucky day. Keep reading and you’ll see why. 

Secure Lower Home Insurance Cost

Feel confident about your family's safety, whether you're home or not. Install a hi-tech home security system with alarm monitoring. Advances in technology have improved your options for home security

Besides providing safety, home security solutions lower the cost of your home insurance. Take a look at the security features your insurance carrier might consider discount-worthy.

Basic or Hi-Tech Security System

Having a basic security system is good. But the latest security trends provide far more protection. 

Ask your insurance company for a list of approved security systems and devices. This way you’re sure to qualify for a discount on your home insurance rate.

Choose an alarm system that sounds upon entry to frighten burglars. And install cameras in and around your home to deter criminal behavior. Secure it Securities offers surveillance cameras to keep your home secure.

Having a security system could earn you up to a 20% discount on your home insurance premium. In some geographic locations that's a savings of over $700 a year. Oftentimes you can find a rebate to save money on a new security system installation. 

Alarm Monitoring 

Pay the extra fee companies charge for alarm monitoring. It alerts your security company and local authorities of a possible intrusion. This way someone‘s notified without you having to make the call. 

Getting the highest available insurance premium discount requires you have alarm monitoring. It expedites the response time of law enforcement arriving on the scene.

Let digital technology be your eyes and ears when you’re away from home. Smart technology provides 24-hour remote access and notifications of suspicious activity.

Secure Doors and Windows

The greater the protection the more likely it can reduce homeowners insurance cost. Install deadbolt locks with keys on all exterior doors. Use anti-lift locks on your windows and anti-sliding locks on your patio doors.

Consider door and window sensors as backup protection. They activate your alarm if a burglar’s able to bypass a secure entry point.

Smoke Alarms

Having smoke alarms connected to your security system is extra protection. They alert you and fire rescue of an incident before it becomes life-threatening.

Based on a report by the National Fire Protection Agency, a house fire occurs every 63 seconds. In 2019, property loss due to residential fires totaled close to $8 million.

Insurance companies favor proactive measures to prevent house fires. Installing smoke alarms could reduce the volume of claims filed for fire damages.

Home Insurance Cost Reduction

Don’t put off protecting your family or getting a home insurance cost reduction. Install anti-theft devices approved by your insurance company. Hi-tech security systems with alarm monitoring earn you the biggest insurance premium discount.

At Secure it Securities, we want to keep your home and family safe. Contact us to discuss your in-home security needs for protection. 

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