Save Money on Home Insurance with These Security Upgrades
You may not be aware of how many things influence home insurance premiums. One factor that insurance providers definitely take into consideration is what kind of security measures you have in place to prevent people from breaking into your home. Making the following upgrades to your home's security can help save you money in the form of reduced premiums.
Home Security System
One upgrade you may want to have for peace of mind is a home security system. These systems do a great job at letting you know if someone has broken into your house while you are not around, and they can dispatch the police if necessary. That's why insurance providers are willing to give a discount if a security system is installed in your home.
However, you'll want to make sure that the home security system qualifies for reduced premiums before you have it installed. Some systems don't have home monitoring features, which means that an alarm will sound and you'll receive a notification, but the police will not be dispatched automatically. Your insurance provider may also have requirements for sensors on all methods of entry, such as doors and windows, to ensure there are no ways to get through the security system undetected.
Dead Bolts
Another factor that your insurance provider looks at are the locks on your exterior doors. Having a dead bolt gives you an extra layer of security that makes it harder for someone to break into your home. If your home lacks dead bolts on any exterior doors, consider adding them and letting your insurance provider know. This can help reduce your premiums while making your home more secure in the process.
Impact Windows
Your windows can be a way that people break into your home, since it is very easy to smash a window and unlatch it from the inside. That is why having stronger windows can make it more difficult for someone to break in, resulting in those lower premiums that you are looking for. Impact windows are designed to withstand the force of flying debris in a storm and to make it more difficult for a person to intentionally break them. This is because they use a combination of adhesive film and multiple glass panes to give the window strength. If the glass breaks, the film keeps the glass firmly in place and makes it harder to break that additional layer of glass behind it.
Ask an insurance provider like Bishop Insurance Agency for more tips on how you can reduce premiums by increasing security.
