Alarm Systems And Your Homeowners Insurance Premiums
April 11th, 2019
According to none other than the FBI, a home burglary occurs around once every 15 seconds, some of which are right here in Houston, TX. For a clearer perspective of this problem, if you were to watch the clock change by just 1 minute, that minute represents 4 homes that have recently been burglarized across the United States. What many homeowners don’t know is just what they can do to prevent these burglaries from occurring to them, and one of these options is installing a state of the art home alarm system.
The FBI states that homes with an alarm system installed are 3 times less likely to be broken into when compared to those that are not alarmed. An installation can save you a lot more than just your peace of mind.
How Are My Premiums Effected?
While having an alarm system installed undoubtedly increases your peace of mind, it also decreases your average homeowner’s insurance premiums. Opting for an alarm system installation lowers your risk of burglary, keeps your family safer, and can lower your payments by as much as 20%. This might seem like a strange correlation at first, but it makes quite a bit of sense when one breaks down just what an alarm system does.
An alarm system helps to lower your insurance premiums in a few ways, including:
- Deterring burglaries – The presence of an alarm system can work wonders in deterring burglaries. Having your alarm system provider advertised and proudly displayed on your home, burglars will know that your home is protected. They know that breaking in and getting out will be a challenge, and they’re like to pass right over your home for this very reason. A burglar wants a simple and quick operation, and they want to get away with it; something they won’t get from an alarmed residents. When burglars pass over homes, claims won’t be filed for the missing property.
- Deterring vandalism – Vandalism and home damage will typically cause a person to file a claim with their homeowner’s insurance policy. Just like the presence of the alarm deters burglars, it’ll also deter vandals. Whether the vandalism is local Houston young people looking for some mischief, or something more sinister, they’re less likely to carry out their plan if they know they’ll be caught.
- Making burglars more likely to be caught – When a burglar is caught, property is more likely to be recovered. This means that this is property that won’t wind up on a homeowner’s insurance claim. An alarm system gives you a better chance to catch burglars in the act, and get your property back.
An Investment That Pays For Itself
Your Houston alarm system is an investment in your home that will pay for itself over time. With lower insurance premiums, you’re saving on this bill that you likely give little second thought to, and before you know it, the system has pulled its own weight in cost. With an alarm system in place, you’ll not only save on your premiums, but also your peace of mind.