House Alarm and Home Safety Devices - Homeowners Insurance Considerations

Did you know that a house alarm and home safety devices can significantly lower the cost of your homeowner's insurance? Well they can.
In fact, many insurers reduce the price by 5 percent or more for a burglar or smoke alarm.
You can save another 15 to 20 percent for a sophisticated sprinkler system and a fire and burglar alarm that rings at a police station.
You will need to provide proof that you have installed the devices and also proof that the alarms ring at a central monitoring station to get the financial credit for having them.
Keep in mind that you have to offset the price of the device with the savings you'll achieve.
But many homeowners like the security and would buy the items anyway and appreciate the savings they get.
Others know they should have them and are pushed to buy them based on the insurance savings.
Also, not every system qualifies for the discount so before you buy, find out what your insurer recommends.
Newer homes are more likely to have some of these features already.
But, in older homes, smoke alarms aren't standard and you may have to install one yourself when you move in.
Having alarms and deadbolts also protect your family against harm from fire and intruders.
It's not just a matter of financial security - it's a matter of personal security.
Consider this a nudge in the right direction! House alarms and home safety devices are just one way to lower the cost of your homeowners insurance.