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Posted by on Nov 20, 2014 in Uncategorized | 0 comments

New Home Buyer? Save Money On Insurance By Installing A Security System

As a new home buyer, you should do what you can to save money. A good security system provides you with protection, but choosing the right system can help you save money on insurance. Below is information about what you should look for in a security system.

Windows

Most security systems come with different features, such as window protection. This feature may add to the cost of the system, but it will lower your insurance rates. Many home invasions occur by breaking through a window. If you have a security system with window protection, an alarm will go off if one of your windows is broken. This saves on your home insurance, because it lowers your risk of property loss.

Monitoring Service

When you purchase a security system, you have the option to have automatic monitoring. Alarm monitoring is having communication between your security system and the security provider. When an alarm goes off at your home, a signal is sent to the security company’s monitoring system.

When the first signal is sent, the monitoring personnel will call and notify you that your alarm is going off, and confirm with you if it is a real emergency or not. If you do not respond to them, or if the emergency is real, they will contact the proper agency to send emergency personnel to your home.

This gives the police are much better chance of apprehending the assailant, which keeps them from stealing your property.

Security Cameras

When you have your security system installed, the security company will likely offer to install security cameras outside your home. Homes are less likely to be robbed if there are security cameras in plain sight, which is why your insurance company will likely lower your rates.

Your Neighborhood

If you live in a neighborhood that has a high crime rate, you should consider installing a higher-end security system. Insurance companies may increase your insurance, because there is a better chance of your home being robbed. To combat this increase, a higher-end security system gives you even more protection so it reduces your chances of being robbed. If you choose this, make sure you let your insurance company know.

How much money you will save on your insurance each month depends on your insurance company. Talk with your agent to see what features they look for in security systems so you can install the right one.

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Posted by on Nov 19, 2014 in Uncategorized | 0 comments

How To Have Home Security Without Spending A Lot Of Money

A lot of people get home security systems simply for peace of mind, while others get them to protect their assets. If you are worried about your family’s safety, getting a home security system can be a great idea, but it can also be costly. Here are some tips to help you feel good about the safety of your family, without spending a lot of money.

Choose Self-Monitoring Services

When you get a home security system, the company might require that you sign up for monitoring services for a certain length of time. Not only will you have to pay for the system, but you will also have to pay a monthly fee during this time period.

To save money, you can cancel the monitoring services on your plan once the time period ends. When you do this, you will lose the monitoring services from the security company, but you will still be protected. With self-monitoring services, the system will still:

  • Alert you if someone breaks in
  • Begin making loud alert sounds if someone breaks in
  • Allow you to monitor your house when you’re gone (if you have video cameras in your home)

Inform Your Insurance Company

According to the New York Times, you may be able to get a 15% to 20% discount on your home insurance just by having a home security system. If your insurance company doesn’t know about this, you will not benefit from this savings.

The money you save on your insurance could be used to pay for your monthly monitoring services. U.S. News reports that the average monthly monitoring cost of home security is $30.

Burglar Proof Your House

In addition to having an alarm system, there are several other ways you can deter burglars from your house, and here are some ideas:

  • Put a timer on your lights – if someone is watching your house and planning to rob it, he or she may decide not to if there are lights that come on and off at different times of the day.
  • Get a “Beware of Dog” sign – burglars do not want to encounter dogs during break-ins, and this is primarily because of the noise they make. When a dog barks, it may alert neighbors of a problem.
  • Keep doors locked – many burglars get in houses through unlocked doors. Always make a habit of locking things up, and always turn on your security system when you leave.

With these tips, you can have peace of mind without spending a lot of money. If you would like to learn more about home security, call a security company like Digital Security today.

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