• Table of Contents

  • Securing Homes in Dangerous Areas: How to Get the Best Discounts on Home Security Systems
  • The Importance of Home Security Systems in Dangerous Areas
  • The Role of Insurance in Home Security
  • How to Get the Best Discounts on Home Security Systems
  • 1. Research Different Home Security Systems
  • 2. Install a Monitored System
  • 3. Upgrade Your Home Security System
  • 4. Notify Your Insurance Company
  • Conclusion
  • Question and Answer
  • Q: Can I get a discount on my homeowner’s insurance if I have a DIY home security system?
  • Q: Will installing a home security system increase the value of my home?

Securing Homes in Dangerous Areas: How to Get the Best Discounts on Home Security Systems

Living in a dangerous area can be a cause for concern for many homeowners. The fear of break-ins, theft, and other crimes can make it difficult to feel safe and secure in your own home. However, with the right home security system, you can protect your home and loved ones from potential threats. Not only does a home security system provide peace of mind, but it can also help you save money on your homeowner’s insurance. In this article, we will discuss how to get the best discounts on home security systems in dangerous areas.

The Importance of Home Security Systems in Dangerous Areas

According to the FBI, there were over 1.2 million burglaries reported in the United States in 2019. This means that a burglary occurs every 25.7 seconds. In dangerous areas, the risk of burglary and other crimes is even higher. This is why it is crucial to have a home security system in place to protect your home and family.

Home security systems not only act as a deterrent for potential burglars, but they also provide immediate alerts to authorities in case of a break-in. This can significantly reduce the chances of a successful burglary and increase the chances of catching the perpetrator. Additionally, some home security systems come with features such as video surveillance, which can provide valuable evidence in case of a crime.

The Role of Insurance in Home Security

Homeowner’s insurance is designed to protect your home and belongings in case of damage or loss due to unforeseen events such as theft, fire, or natural disasters. However, living in a dangerous area can increase the risk of these events, making it more expensive to insure your home. This is where home security systems come into play.

Insurance companies view home security systems as a way to reduce the risk of theft and other crimes, making your home less of a liability. As a result, many insurance companies offer discounts to homeowners who have a home security system installed. These discounts can range from 5% to 20% off your homeowner’s insurance premium, depending on the insurance company and the type of security system you have in place.

How to Get the Best Discounts on Home Security Systems

Now that we understand the importance of home security systems and their impact on insurance, let’s discuss how to get the best discounts on these systems.

1. Research Different Home Security Systems

The first step to getting the best discounts on home security systems is to research and compare different options. There are various types of home security systems available, such as monitored systems, unmonitored systems, and DIY systems. Each type has its own features and benefits, so it’s essential to understand your needs and budget before making a decision.

Some insurance companies may offer higher discounts for certain types of security systems, so it’s crucial to check with your insurance provider before making a purchase. Additionally, some home security companies offer discounts on their systems if you bundle them with other services, such as internet or phone services. Take the time to research and compare different options to find the best fit for your home and budget.

2. Install a Monitored System

Monitored home security systems are connected to a monitoring center that alerts authorities in case of a break-in or other emergencies. These systems are considered more effective in preventing and deterring crimes, which is why insurance companies offer higher discounts for them. Monitored systems also come with features such as video surveillance, which can provide valuable evidence in case of a crime.

While monitored systems may be more expensive than unmonitored or DIY systems, the potential savings on your insurance premium can make up for the cost in the long run. Additionally, some insurance companies may require a monitored system to qualify for a discount.

3. Upgrade Your Home Security System

If you already have a home security system in place, consider upgrading it to qualify for higher discounts. Many insurance companies offer higher discounts for systems with advanced features such as motion sensors, glass break detectors, and smart home integration. These features not only provide better protection for your home but also make it more attractive to insurance companies.

4. Notify Your Insurance Company

Once you have installed a home security system, make sure to notify your insurance company. They may require proof of installation, such as a certificate from the security company, to apply the discount to your premium. Some insurance companies may also conduct an inspection of your home to verify the installation and ensure that the system meets their requirements.

Conclusion

In conclusion, living in a dangerous area can be a cause for concern for many homeowners. However, with the right home security system, you can protect your home and loved ones from potential threats. Not only does a home security system provide peace of mind, but it can also help you save money on your homeowner’s insurance. By researching different options, installing a monitored system, upgrading your current system, and notifying your insurance company, you can get the best discounts on home security systems in dangerous areas. Don’t wait until it’s too late, invest in a home security system today and enjoy the benefits of a safer home and lower insurance premiums.

Question and Answer

Q: Can I get a discount on my homeowner’s insurance if I have a DIY home security system?

A: Yes, some insurance companies offer discounts for DIY home security systems. However, the discount may not be as high as a monitored system, and some insurance companies may require additional features such as video surveillance to qualify for the discount.

Q: Will installing a home security system increase the value of my home?

A: Yes, a home security system can increase the value of your home as it provides added protection and peace of mind for potential buyers. Additionally, having a home security system in place can make your home more attractive to insurance companies, resulting in lower premiums.