Lowering Your Home Insurance Premiums through Improved Security

Lower Your Insurance PremiumOne of the things you’ll learn when you go to compare home insurance quotes is that houses that have alarm systems typically pay far less for coverage than houses that don’t. The reasons why are easy to understand. A home that’ll send up flashing lights and screaming bells and make automatic calls of distress to the police is a lot less likely to get burglarized than one that’ll sit silently as it’s being violated.

But not just any old alarm system will do the trick of lowering your monthly fees, as you’ll likely find out when doing an insurance rate comparison online. And there are other things you can do in addition to installing a burglar alarm that will lower your insurance rates.

• Spring for a home security system from a trusted, brand name company.

• Ensure that every single entry point in your home is alarmed, including your garage door. Extending your security system to your garage may also play a factor in lowering your car insurance premiums.

• Replace all of the locks on doors and windows throughout your home, and don’t skimp on cost. The more money you spend on high quality, unbreakable door and window locks, the lower the rate you’ll see reflected when you compare home insurance quotes.

• Talk to the insurance company to ask if they have any preferred security providers. You might discover some additional savings if you go with a home security company that’s endorsed by the home insurance provider of your choice.

Home security’s no place to mess around. If you’re concerned about the safety and well-being of your family and your stuff (as all smart people should be) you’ll consider all anti-theft measures, regardless of how they impact your home insurance premiums.

Shielding Your Home Against A Break-In

Preventing TheftIn anticipation of brighter days ahead, you can expect a residential break-in. Thieves will love the home which are unprotected and easy to break. Every year, like other states, even Ohio will experience an increase in residential breaks. At the rate of 9 to 14% home burglaries do occur around nationwide, only a percentage of burglaries in small numbers happen with someone actually at home. You are whether on a holiday, at home or out for work, protecting your prized possession and its belongings from thieves is necessary.

Tips to Avoid Break-In

Strengthening Doors: Use metal core solid doors and lock the doors properly. Use dead bolt locks or double lock system to ensure safety. On moving in to a new house or an apartment, change the lock system. Upgrading on door locks often is best way to avoid break-ins through doors.

Closing Windows: Do not keep your windows open all the time, specially when you are away from your home. Ensure that the window opening is not very large to allow some burglar to reach through and remove locked window or successfully open the door. For ventilation, 4 to 6 inch of window opening will do good.

Securing Valuables: Do not exhibit your valuables. Be careful of who is knowledgeable of your valuables. Even though someone is completely trust worthy and reliable telling them about your valuables, you increase your risk of a home invasion. If you feel suspicious about any person or event occurring around your house, call for police and keep them informed.

Owning Pets: Having a dog, guards your home whether you are in or away from your house. Not all but some thieves consider to deal with pets, there are less chances of thieves wanting to distract them. You can train your dog on how to react to strangers or alert your neighbors when at risk.

Installing Alarms: Burglar alarms, preferably with a cellular back up prevents disconnecting phone wires leading to your home. Be sure to turn the alarms on before leaving the house, when alone at home or while sleeping. Let the alarm be audible and reset with few minutes, so that neighbors are not disturbed. You can leave a key of your house to reach out to alarm systems with trusted neighbor.

Lights: Even when gone away, keep some interior lights on action with timers set to show some activity at home. Exterior lights is a must. You can add privacy curtains, these curtain will allow the light in but will distort the image of the room.