Lowering Your Premiums with Security

Lowering Your PremiumsIf there’s any approach that’s infinitely effective at lowering your home insurance rates, it’s tickling the fancy of your insurance agent. But before you get the wrong idea, this isn’t a how-to guide on romancing a low home insurance quote out of your insurer. What we’re talking about here are making the kinds of changes to your home that insurance companies go crazy for, and subsequently give discounts for—like upgrading your home security.

What it Entails
Homeowner quotes can be greatly impacted by the installation of a burglar alarm, but just because you don’t have one in your home doesn’t mean that you don’t already have some security measures in place. Remember the following items, each of which can lower your rates, when discussing home insurance quotes with your agent.

  • Reinforced deadbolt locks on all main doors
  • Barred windows (whether intended as decoration or protection)
  • Fireproof safe for the keeping of valuables
  • Outdoor motion detector lights
  • Fire alarms
  • Secure garage doors
  • A watch dog

Before You Buy
Even with all of this, you might be considering the insurance benefits (and personal safety benefits) of having a burglar alarm installed. But prior to sinking half of your savings into it, first go to your insurer and find out what kind of system will lower your rates the most. After all, you don’t want to wind up spending a lot of money on an alarm system that’s not highly rated by your insurer, and results in you receiving a minimal discount.