Am I Entitled to a Discount on My Homeowners Policy for Adding More Security to My Home?

Adding extra security to your home can definitely help you get a discount on your home insurance policy. The discount can vary by policy and by insurance provider, but you can ask your agent for a list of exactly what type of security measures that you can take to make sure you are able to get the lower policy rates.

The amount of your discount can vary by situation, but in general you will be able to secure a policy discount of at least 5 percent for adding one of the basic security upgrades. Some of those security upgrades include smoke detectors, burglar alarms, and dead bolt door locks.

If you are willing to significantly ramp up the security in your house you can potentially get even bigger discounts. For example, if you get a sprinkler system that activates in case of fire, you may be eligible for a higher discount. If you have a more advanced security system, for example the type of system that automatically calls the police and other emergency personnel when the alarm is triggered, you could get discounts as high as 15 percent or even more.

If you are considering security upgrades in your home and you want to know how they will impact your insurance rates, it is essential that you give your insurance agent the information about the exact upgrades you are considering. Your agent can tell you exactly how much this new security will reduce your insurance costs and you can then decide whether it is cost effective for you.

Our experienced home insurance agents are available to do custom quotes for you today. Be sure that your security upgrades will really count for something by getting the right policy today!