Safeguards like home security and fire warning systems help reduce the cost of damages and keep your home safe. And since a safer home means a safer you, they could also help you save on homeowners insurance. The following are easy home upgrades that work to ensure your safety — and may earn you what’s called a home safety features discount. Check them out.
Home Security System
Studies show that alarm systems deter would-be burglars and reduce your chances of burglary by more than half. That means a decreased likelihood your home’ll be damaged and that your possessions will be stolen. The more security features you have, like alarms and video surveillance, the higher your discount may be.
Though more than 90% of homes in the U.S. already have a smoke detector, they remain a key safety feature for reducing costly damages typical of home fires. In many places around the country, they’re even required by law. Test your smoke detectors regularly, according to the manufacturer’s instructions. Make sure all detector batteries are working if they’re not already hardwired. And extra points for connecting all of your alarms, so that if one sounds, the rest of them sound too.
Carbon Monoxide Detectors
Accidental carbon monoxide poisoning results in hundreds of deaths each year. What makes it so dangerous is that it’s a colorless, tasteless, odorless gas, so hen this silent killer is present, you won’t even know it. It’s easy to see why carbon monoxide detectors absolutely critical to have. But not only that, in many states, just like smoke detectors, they’re required in single-family homes.
Water Safety System (Fire Sprinklers)
Fire sprinklers are becoming more popular in residential housing and it’s no wonder why. They buy you time before the fire department arrives. They help control damage caused by heat, smoke, and flames. And they’re relatively easy to maintain. In some cases, sprinklers can even put out flames altogether. That can mean the difference between losing everything and limiting damage to a single room.
Dead bolts may seem simple, but this everyday locking mechanism can slow down even the most experienced of home burglars. Because of that, installing dead bolts at all points of entry in your home (front, back, and side doors) may qualify you for a discount. But do your research: not all deadbolts are created equal. Mass-marketed dead bolts may be easier to force open than those that are better engineered. Look for deadbolts labeled Grade 1 or Grade 2 (Grade 3 are weakest). They should extend at least an inch into the door jam and preferably have a reinforced strike plate with three-inch-long screws. All these features make it a lot harder to kick in a door.
Storm shutters cover windows, doors, and other openings to protect your home from high winds and damages typical of hurricanes and other severe storms. If you live in a part of the country that experiences seasonal hurricanes, then installing storm shutters may improve your home’s odds of surviving one and earn you a discount on homeowners insurance.
Making your home safer and reducing your home insurance premium is a true win-win. At Esurance, you could start saving the moment you begin a free homeowners quote. So give it a shot, and find out how we’re making insurance surprisingly painless.