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Home Security and Home Insurance Savings

Install Security Devices

Security systems deter burglars and, as a result, make you a lower liability to a home insurance provider. The result is that many home insurance companies offer discounted rates for homes with installed security systems. Make sure you know the discounts offered by your home insurance provider will be worth the cost of the improvements you purchase—if you can at least break even then you will have a higher level of security.

Deadbolt Locks, Smoke Detectors, And Burglar Alarms

Installing these devices can each save you up to 5 percent on your monthly costs. Deadbolt locks significantly improve the sturdiness of entry points to your home, and are relatively inexpensive.

Typically, burglar alarms are set to go off whenever a door or window is opened while the system is armed; when you leave the home unattended, you arm the device, and when you return, and trigger the alarm by walking back through the door, you disarm it by typing in a code.

Smoke detectors are required by most local, city, or state laws, but their life- and money-saving potential are crucial regardless. Smoke alarms should be placed on every level of the home away from walls. Ideally, you should have a smoke detector in every bedroom and in areas surrounding sleeping quarters, such as the adjacent hallways.

Home Monitoring System

More expensive and sophisticated than a simple burglar alarm, a home monitoring system directly connects your security system to a monitoring center that will automatically call the police or fire department should an alarm get triggered. In addition to protecting against theft, home monitoring systems can—if you purchase an advanced package—include sensors that will detect and send help for other incidents like floods or fire. Such a system can save you up to 20 percent on your monthly premiums.

PRODUCT RECOMMENDATION: Protecting America home security

Protecting America has provided security systems for homes for 18 years and consistently receives high marks for its balance of setup costs and quality. Many of Protecting America's packages require no equipment or startup costs. Their equipment is all user-installed and designed for ease of use, so you don't have to pay someone to install it for you. They offer packages starting at $29.99 per month and offer additional equipment, such as glass break detectors. There are a number of other competitive security systems (such as the popular ADT), but Protecting America is known for their high level of safety for value.

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