Get Insurance Discounts With Your Home Security Setup

In a time of economic struggles, consumers are looking for any way possible to save extra money. Most people don’t realize that by investing in home security methods, they can save money on insurance rates and prices. Make a list of all the different ways you secure your assets and shop around for the best deals. Many people qualify for discounts on insurance for simply for being in the military, being a single parent, being a non smoker and having good credit. But many people don’t realize that they protect their homes and vehicles already via locks, proper lighting and signs, and qualify for even more discounts. Here are a few things you should mention to your agent while shopping around for the best deals:

Home Monitoring Services

Alarms prevent losses, which makes your home less of an insurance risk regardless of the area in which you live. Alarm systems that connect you directly to the proper authorities will always give you a greater discount when signing up for home insurance. Protecting your home through a home monitoring service such as ADT qualifies you automatically for great savings and discounts.

Packaged Deals and Deductibles

Insuring your home and vehicles together under the same policy will give you higher discount rates and qualify you for more discounts. Lowering your deductibles might help you right away, but in the long run they don’t help at all. The majority of homeowners will carry a $500 deductible, but the savings you can receive by raising your deductible to $1000 can be significant, such as up to 20%.

Deadlock Bolts

Most insurance agents will ask you if your doors have deadbolts. The key is ALL of them must have them. The more you secure your home you make it more difficult for an intruder to gain access in. By taking extra steps to protect yourself and your belongings you show your agent you are responsible and care about keeping your things safe and secured. This also shows the agent that even though some items might not have a dollar value, they do have a sentimental value, and this is just as important.

Other Things to Mention to Your Insurance Agent

Some insurance companies provide discounts for keeping your home in good working order. New roofs, new HVAC systems and updated plumbing show your agent you do care about your assets and allow the agent to qualify you for other discounts. Having fire extinguishers around, smoke alarms in good working order and even indoor sprinkler systems show your agent you're willing to take extra measures of protecting your belongings. Mentioning these things could be helpful in saving you money if you're not already hooked up with a home monitoring service like ADT or Brinks