How Home Security Systems Lower Homeowners Insurance

How Home Security Systems Lower Homeowners Insurance

Wednesday, 26 August 2020 16:20

Buying a home is a major milestone for you and your family. It is an opportunity to make a space that is truly and completely yours. You can personalize it in a way you can't with a rental. It is the place you will watch your family grow and entertain friends and neighbors. If you have small children, they will learn how to ride a bike, read and write, and overcome academic challenges. It is where you will take prom photos, learn big news, and potentially play with grandchildren one day. 

Unfortunately, your new home may also be a target for nefarious characters who would consider burglarizing it. Whether you are in the city or suburbs, home invasions and robberies are a possibility for every homeowner.

One home is burglarized, or property crime committed every 3.7 seconds in America. There are steps you can take to help reduce the chances that your family becomes the victims of this kind of crime. Installing a home security system will not only help catch criminals; it will serve as a deterrent and can lower your home insurance premiums. 

Here's what every homeowner needs to know about crime, security systems, and their homeowner’s insurance:

Why Would My Home Be Targeted?

You may be inclined to think it cannot happen to you. You take steps to make it seem like you are home during the day. Your home is in a safe neighborhood or rural setting. You know that your neighbors are always watching out for your home. You may have even developed self-defense methods. Nevertheless, burglary is not likely but is possible even with your house. Actions you can take to help prevent burglary include:

  • Make it seem like your house is occupied even when you are not home.
  • Keep up with the landscaping and lawn maintenance.
  • Build a strong and secure fence.
  • Do not leave an easily accessible spare key outside. 
  • Invest in strong door and window locks. 
  • Do not leave packages on the porch or let mail pile up. 
  • Adopt a dog.
  • When traveling, have neighbors and friends help keep up with the landscaping and mail while you are gone. 

Even if you do everything right, you cannot guarantee your home will be safe at all times. 

Most burglaries occur in the middle of the day and during the summer months because residents are not home. Would-be burglars may study your house and routine to determine when it’s best to try to take your stuff. However, in 28% of home invasions, a family member is present. Statistics do not matter if it happens to you.

Home Security Systems are Key to Reducing the Chance of Burglary 

Burglars are typically searching for the easiest target. On average, they only net a little more than $2,500 from a property. They need to find the lowest hanging fruit. That is why houses with home security systems are 60% less likely to be invaded. The risk outweighs the potential reward for nefarious characters. Combined with other proper practices, a security system will make your house and family as safe as possible. 

Home Security Systems Help Reduce Insurance

Insurance companies see your home as having a lower risk of burglary when you have a home security system. Security systems mean your house is under constant surveillance, less likely to be robbed, and less susceptible to catastrophic fires. Your insurance company is likely to reward you with as much as 20-25% lower premiums.  Other benefits of home security systems include the peace of mind of knowing your family and property and under the watchful eye of people that can help, so you can focus on making your new house the home of your dreams. 

If you have a home, you should have a home security system. If you are in the foothills or piedmont of North Carolina, Integrity Security is here to help with your security system installation. We have the experience and expertise to advise you on the best system for your family and ensure it is correctly installed. We will train you on how to best use the system to protect what matters most, your family, and your property. If you are ready to start protecting your home and lowering your insurance, contact Integrity Security today.