Do you own your own home? If you do, do you have (and use) a home security system? If you own your own home, more often than not, your insurance company will offer discounts on your homeowner's policy if you have a home security system.
Unfortunately, during the summer months crime is on the rise, and as with most other large cities within the United States, Texas is suffering, too. Austin, Dallas, and Houston home security system installations are on the rise, as well. And because crime goes up, the price we pay for homeowner's insurance is increasing as well. If you could save money on your homeowner's insurance by having a home security system, wouldn't you consider installing one?
Most insurance companies offer rate discounts of 10% and even as much as 20% off the regular rates to homeowners who have a home security system utilizing an alarm monitoring service that monitors for break-ins, fire, and even carbon monoxide. Discount rates can vary depending on what service you choose. Quite often the savings on homeowner's insurance will more than pay for the monthly monitoring costs. If you take into consideration what your deductible would be if you had to file a claim, you might find that the cost of the monitoring system might be less of a hit to your bank account than your deductible!
Insurance companies offer these discounts to homeowners because, statistically, homes that have a home security system are four times less likely to be broken into. With the drastically reduced risk of burglaries, insurance companies have to pay fewer large claims for property that has been stolen from their policyholders, therefore passing the savings on to their security-conscious clients.
We are in tough economic times right now, but if we can all do more to protect our property and our loved ones without increasing our monthly financial obligations, it's worth looking into. With the current unemployment rate being over 10% in many areas, desperate people are turning to desperate measures and even to crime just to survive.
A burglary happens every 30 seconds in the United States. Most burglaries happen after dark and in most cases the locations rarely ever have witnesses or home security systems. We all have to do what we can to prevent becoming victims. Taking the time to do some research and find out about the alarm monitoring companies in your area can help you make the best decision for your needs.
Calling local monitoring companies to get quotes for their systems and monthly monitoring charges will give you an idea of what to expect. Once you have an idea of what a system and monitoring service will cost, call your insurance agent to see if they offer discounts for home security systems, for alarm monitoring services, for fire, and for carbon monoxide monitoring, as well.
Owning a home monitoring system also adds value to your home. Protecting your home and your loved ones by installing a home security system is your best defense against crime, fire and carbon monoxide poisoning.
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