09 Apr 2020
smoke detector installation

Simple safety suggestions that can unlock insurance savings.

Home insurance providers reward homeowners that are proactive about protecting their property.  When a homeowner takes steps to reduce their risk for property damage, theft, and personal liability claims, their insurer will often reward them in the form of a home safety discount.  Here are some of the ways that you can unlock this type of policy discount.

  • Security Systems

Studies show that security systems reduce the risk of homes being burglarized by more than half.  When you have a security system installed at your home, you protect your belongings from being stolen and your home from being damaged during a break-in attempt.  Additionally, many home security systems now come with additional safety features such as surveillance cameras and automatic fire or carbon monoxide alerts.  The more features your home security system has, the higher your home insurance discount may be.

  • Smoke Detectors

Over 90% of homes across the U.S. already have smoke detectors installed—and for a good reason.  Smoke detectors remain an essential safety feature that warns occupants within a home that a fire has broken out.  Because smoke detectors are required by law in many places throughout the country, simply having one if your home will not necessarily unlock insurance savings.  However, if you go the extra mile, then your home insurance provider may take notice.  By installing smoke detectors on every floor and in every room of your home, you can increase the effectiveness of your home’s fire warning system.  Additionally, regularly inspecting your alarms to ensure they are working properly is also a great way to show your insurance provider that you value safety.  Finally, you can also score points with your insurance provider by connecting your alarms, so they all go off when one detector is activated.

  • Storm Shutters

Storm shutters are protective coverings installed over a home’s windows to protect them from being broken from high winds and flying debris during a storm.  If you live in a part of the country that suffers from extreme storms, hurricanes, or tornadoes, then you should install storm shutters over all of your exterior-facing windows.  Because this will lower your home’s chance of sustaining damage during a storm event, your home insurer may offer you a home safety discount.

These are some of the home upgrades that you should make to save on your homeowners insurance.  Do you have additional questions about your home coverage?  If so, then contact the experts at Patterson & Associates in Richardson, Texas.  We are ready to assist you with all your homeowners insurance needs today.