What You Need to Know about Home Security
Did you know…? Over 1.7 million burglaries occurred in the U.S. in 2014.
Burglar-proofing can prevent nine out of 10 break-ins.
Insurance discounts of between 2 and 15 percent are typically available to homeowners who install security systems.
With these facts in mind, it’s small wonder many homeowners install systems to beef up their home security. It seems like a no-brainer, but there are several things you need to consider before signing on the dotted line for your new system.
Shady salesmen – Unfortunately, not all security system salespeople are trustworthy. Many homeowners have found themselves the victims of unethical business practices when it comes to their home security systems. Sales representatives have installed faulty systems, offered contracts based on false promises, misrepresented fees, failed to cancel contracts, and renewed contracts without consent. These and similar practices should make homeowners cautious when purchasing new systems.
Agent recommendations – Because of the risk homeowners face when dealing with security sales reps, it is wise to seek the counsel of your insurance agent. He or she may be able to recommend a specific company known for solid business practices, or at least steer you in the right direction. Your agent can also give you tips on avoiding shady online-based or door-to-door sales reps.
Discounts – Not every system qualifies you for a homeowners insurance discount. Check with your insurance agent before you purchase anything. Your agent can advise you about the types of systems that are eligible and explain the discount, so you can make an informed decision about what to install and if it will be worth the cost.
Other security measures – Your best deterrents to thieves are light and noise. Dead bolt locks, bars, window grates, and security lighting are additional options that offer defense and potential savings. Contact your insurance agent for information regarding your specific policy to discover the best options for your home.