The Secret of the "FREE" Home Security System

!±8± The Secret of the "FREE" Home Security System

I know you have seen the ads for the free security systems. If you really think you can get good security protection for "free" you might be a little disappointed when you see what you are getting. That is if the company actually reveals what you are getting before it is installed. Most of the time they won't.

Many of the "free" systems are an all in one wireless system, usually with two door contacts and a motion detector. What's wrong with that? They give a false sense of security. They are very vulnerable and you have limited protection devices. They will charge extra for additional door contacts, motion detectors, CO detectors, etc.. They also have the brains, keypad, dialer and siren all in one unit. If a burglar breaks in all he has to do is rip the keypad off the wall and the system is disabled. It's not hard to find the keypad; it will be the thing making noise. It is much better to have the dialer, keypad and siren in different locations.

Many companies offer the "free" wireless alarm systems because it takes almost no skill to install. Most, if not all, of the programming can be done prior to installation. All the installer has to do is sticky tape the door contacts and motion detector in place, mount the unit and get a power wire and phone wire to it. Usually they mount the unit above a phone jack that has an outlet close by. Many of these installers will be low paid untalented individuals. Good techs are well paid so these companies usually don't hire them.

You should own your alarm equipment. Most of the free systems remain the property of the alarm company. You can't switch monitoring companies if you're not happy with their service, or want to shop around for a better monitoring rate. More than likely they are going to want a long term, auto renewing contract with a high monthly rate. If you try to change monitoring companies you will most likely find that the system is locked out and will have to be replaced. Some companies will even remotely kill you system so you can't use it.

Not all of the "free" home security systems are the wireless all in one units. There is a major national security company that advertises an 0 system for free. You just have to pay to have it installed. They fail to mention that you have to pay 9 up front plus a connection fee. You have to wait a couple of weeks to get a coupon to fill out and send in with a copy of your contract for a refund. You then wait a couple of months to get 0 back. You are stuck with a 3 year auto renewing contract for or more a month and they still own the equipment.

The "Free" System Offer Gets Their Foot In The Door. As I mentioned earlier, you probably will not have adequate protection with the amount of sensors offered for free so they will almost always try to sell you extra sensors for to 0 each. They also want extra money each month to monitor these extra devices. Some companies will charge you extra for using their 800 number for the alarm panel to dial into.

"Free" security systems will almost always end up costing more than paying for a system up front. If you want a "free" security system then expect to pay much more per month for the monitoring service. Security companies vary widely in the way they price their products. Usually you can find a company to install a system for 0-0 for the same thing as a "free" system and usually they will monitor for or less. So for that extra up front money, you get a system you own, that is a lot less vulnerable, more reliable and gives you the freedom to shop around for better service or lower rates.

The Secret of the "FREE" Home Security System

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Saving Money on Homeowner's Insurance by Having a Home Security System

!±8± Saving Money on Homeowner's Insurance by Having a Home Security System

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.

Saving Money on Homeowner's Insurance by Having a Home Security System

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