Drop Your Home Insurance Rates With Safety Concerns

Home safety is a concern for many people and also for insurance companies like the Ronald H. Krupa Insurance Agency. If there have been some issues around your neighborhood that include intruders and break-ins, it’s time to make sure you’ve taken all of the necessary safety precautions.

Here are a few of things you can do to make sure your home is safe from intruders and from accidents that can happen inside of the home, and all of these things will typically help reduce the rate of your home owner’s insurance policy.

Fencing

Fencing is a safety feature because people don’t want to cross barriers to break into your home, so it can reduce the likelihood of a break-in. It can also lower your homeowner’s insurance rate if you have a dog, because it will prevent the dog from doing damage to someone’s yard or harming another person. A fence with a self-latching gate is ideal.

Home Alarm System

A security system with an alarm that immediately calls the authorities when triggered will reduce the chances your home is broken into by 300 percent. You want a system that monitors and notifies wirelessly, because a system using an in-ground phone or cable line can be cut. This would deactivate the system. You also want to display a sticker and sign on your property showing you have a system.

The discount that you get on your insurance policy can even be enough to pay for the monthly cost for the system. Check to see if your insurance provider has any home security companies or recommendations for providers.

Door and Window Replacement

A new front door with a 14 gauge steel kick plate can reduce the possibility of having the door kicked in. You also want a door that has deadbolts. Putting locks on the windows or replacing outdated windows that don’t have any type of locks are things you should report to your insurance provider right away.

If you know that your neighborhood has a slight crime problem or has been dealing with some odd theft and illegal activity, and you don’t want to be the next house that is targeted, take these necessary precautions to make sure your home is safe. Your insurance company is going to appreciate that you did all of these things to make your home safe and to reduce your chances of having a break-in that could cost them a lot of money.

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