So, you’re thinking about getting a home security system to thwart the nefarious plans of burglars. You’re envisioning something with sirens, bright flashing lights, maybe some booby traps…just kidding. Anyways, you just want a security system. But can that pay off in the form of a home insurance discount? Why yes. Yes, it can. We’ll explain.
Can a home security system help you save money on home insurance?
A lot of home insurance companies offer a discount to homeowners who have a security system. It’s a question that you’ll probably be asked when you get home insurance quotes. (Well, it’s one of many, many questions you’ll probably be asked when you get home insurance quotes…but we digress.)
Now, the specific percentage of savings you could score depends on the insurance company. But still, any savings are appreciated when it comes to the insurance bill, are we right?Have questions? Chat with us now.
Why do home insurance companies offer a discount?
Well, let’s say you’re at work. A burglar breaks into your home at freaking 2 p.m. in the afternoon and steals your stuff. You don’t find out until you get home at 5:30 p.m. and by then the thief has a good head-start.
Okay, changing the situation: you have a security system. Same thief breaks into your home at 2 p.m. and your alarm system goes crazy. The police arrive at your house pronto. There’s a better chance that they’ll get the guy or gal who stole your stuff, right? Or that the thief will split without taking as much stuff.
Also, security systems are major deterrents to burglary. Burglars can be kinda lazy – they’re looking for the easy home to break into, not one where they’ll have to dodge laser sensors and booby traps (still kidding, but you get the point.) Anyways, just having the sign from your security company in the window can cause them to pass right on by.
So, yes, a security system can help you get lower home insurance rates. A lot of insurance companies offer discounts for it.
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