insurance and home security 1

Home security and insurance

Secure your home and save moneyYour home is your castle. Just like in the middle ages you need security to protect your home from invaders. However unlike the middle ages your not protected by drawbridges and moats. Instead your line of defense are security systems. Without a good system your home us vulnerable.

According to the FBI:

  • In 2014, there were an estimated 8,277,829 property crime offenses in the nation. The 2-year trend showed that property crime offenses declined 4.3 percent in 2014 when compared with the 2013 estimate. The 10-year trend showed that property crime offenses decreased 18.6 percent in 2014 when compared with the 2005 estimate.
  • In 2014, the rate of property crime was estimated at 2,596.1 per 100,000 inhabitants, a 5.0 percent decrease when compared with the 2013 estimated rate. The 2014 property crime rate was 11.9 percent less than the 2010 estimate and 24.3 percent less than the 2005 estimate.
  • Larceny-theft accounted for 70.8 percent of all property crimes in 2014. Burglary accounted for 20.9 percent, and motor vehicle theft for 8.3 percent.
  • Property crimes in 2014 resulted in losses estimated at $14.3 billion.

art burglary
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Insurance companies don’t want to see your home robbed. Not because they’re looking out for you (although your agent might) because they want to avoid paying for damages. When you get proper security systems they feel more comfortable that nothing will happen and will reduce your homeowners rate significantly. That means there’s less chance you’ll file a claim with your insurance company. As a result, your insurance company saves money and they pass that savings on to you. A company like SimpliSafe can help you out.

And don’t just do it for the insurance credits, getting a proper security system will protect your family and keep them safe. There is nothing scarier than a home invasion and if your security system can prevent that, isn’t it worth it? The best way to deal with a burglary or fire is to prevent it from occurring in the first place.

Often, homeowner’s insurance is rolled into your mortgage. Because you’re not writing a check for it every month, you might not know what it’s costing you or how much you might save by getting a monitored home security system.

If you get a security system, make sure to contact a company like agent right away, they’ll help you get the discount you deserve.

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