The money you spend on professional security products can protect your belongings and save you money on your home owners insurance. Installation of alarms and other security features can offer peace of mind, reduce incidents of theft and reduce your insurance premiums. Other security measures, such as deadbolt locks, can make your home less attractive to thieves. Security lighting options should provide adequate lighting to protect your home, but should not be so bright as to blind, or scatter light randomly, which actually can help burglars. Other common sense practices include installing and using a peep hole, and not “advertising” that you are on vacation, by having your mail held and your daily newspaper delivery stopped. Make sure to discuss your security and alarm systems with your insurance agent to get the best discounts on your policies.

A costlier, but very effective, option is to purchase a monitored home security package. The alarm system and sensing devices are professionally installed and include a monthly service fee for monitoring your security systems. Long term contracts are usually required for these services, but the savings that you realize on your home insurance make these attractive to many home owners.

Other Considerations

When you install or upgrade the security measures used to protect your home and family, make sure you review all of your options with your insurance agent. They can be an invaluable source for advice and referrals when looking for alarm systems and monitoring services. Ask your agent for recommendations on how to receive the best discounts on your insurance premium.

Many security companies will also offer you savings by reimbursing you for the deductible on your home owners policy should a break-in occur. Make sure that all family members understand how to use your security system and that it is used consistently, because these offers are not valid if the alarms are not properly set.

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