Burglar alarm is a popular and effective way to protect a home from criminals. However, an added benefit to installing this type of system is a reduced rate on home insurance premiums. Even a simple alarm system installed in a home can save at least five percent off of the annual cost, and this can provide a significant savings to the home owner. The reason a burglar alarm will save on home insurance premiums is because it provides the home with an increased level of protection from theft. This lowers the risk to the insurance company and makes it less likely that they will need to pay a claim due to a robbery. As a result of this lower risk, the insurance company will require a lower premium.
In addition to protecting the home and saving on home insurance premiums with a burglar alarm, there are other proactive steps that can be taken to help reduce the likelihood that a home will be burgled. First, home owners should install deadbolts on their doors. They should keep the doors closed and locked at all times, even during the day. Home owners should also replace existing windows with a shatter proof glass. If it is not possible to replace all the windows, home owners should at least replace those on the ground floor because this is one of the most common entrance areas for a robbery. Although shatter proof windows are not as effective as an alarm system, it will be more difficult for burglars to break into the home. Also, doors and windows should be solid and firmly attached to the home to make a robbery more difficult.
Next, motion sensor lights are another great option for protecting a home and may help save on home insurance premiums. Burglars like to enter homes through shaded, dimly lit entrances. Lighting installed in these areas will help fight off a potential robbery in the home. Sensors on these windows that are linked into the alarm system can also be effective at deterring burglars. Also, shrubbery and landscaping should not block or hide any entrances because it can provide easy access for robbers.
Insurance companies prefer working with home owners that take proactive steps to protect their home, such as installing a burglar alarm. They reward these efforts with a lower home insurance premium. Many insurance companies also provide discounts for homes that have fire alarms and smoke detectors installed, which are two more ways to help protect a house from possible damage.