Does Having A Security System Lower Home Insurance?

Burglaries are unfortunately common in the United States, with even those who believe they live in low-crime neighborhoods not entirely immune from being a rogue target. An alarm.org study stated that a burglary happens every fifteen seconds across the country, so securing your home and ensuring it is extremely important. However, with premiums rising and the cover varying, it’s worth considering ways you can lower costs and the potential for burglaries.

Our homes hold our most valuable items both in money and sentiment. Not only is a security system a good way to lower your home insurance costs, but it’s also an extra protection between a burglar and the irreplaceable items in your home.

It improves the safety of your home

According to Michael Barry of the Insurance Information Institute, you’re more likely to lower your premium by installing an alarm which is connected to an external monitoring system. The Institute further says that by having a sophisticated home security system, you can expect your insurance premium to be cut by 4 to 8 percent. 

Smart home security systems that include motion detectors and glass breaking detectors are excellent options but are just the starting point for comprehensive security systems. Further options include audio video systems, and security camera systems – all of which can be connected to your phone or tablet.

It lowers the theft claim quota

Unsurprisingly, security systems deter burglars from targeting those homes which have them. Burglars will actively look for security systems and avoid homes which have them – contrary to popular opinion, the goal of a burglar is to be as discreet as possible, and that means not always targeting the largest, most impressive houses.

With that in mind, one of the easiest ways to keep your theft claim quota in your area low, is by investing in a security system. If your neighbors follow suit, the crime in your local area will naturally be reduced and you can work together to keep it that way. Always check your local theft claim quota, particularly when moving to a new area to ensure it hasn’t been met yet.

It protects against other home-threats

Home security systems are excellent ways to lower the premium when facing the threat of other people, but it also protects against accidents. Smart security systems can include smoke detectors and smart water valves to help protect against the risks of fire and water damage.

Smart systems offer access at your fingertips wherever you are, allowing you to check up on your home from your vacation spot or even when simply heading to the grocery store. Not only are you ensuring your home is protected as widely and efficiently as possible, but it also demonstrates to insurers that you’re taking the steps necessary to maximize your home’s security.

When you’re investing in a security system, it’s important to work with a company who has experience in a range of homes and businesses. SNAP Integrations offers guidance and expertise throughout the process, from initial advice to ensuring your new system is fitted properly.