Home Security and How It Impacts Your Home Insurance Rates

Keeping your home safe is an inherently top priority for any homeowner. After all, your home likely represents one of your most valuable assets and one of the most expensive purchases you’ll ever make. But in addition to having a direct and positive impact on safety, did you know that investing in home security can also help lower your home insurance rates?

How Home Security Affects Insurance Rates

Insurance companies assess risk when determining your home insurance premiums. As such, properties with strong security measures are generally considered less likely to experience break-ins or property damage. This assessment can, therefore, qualify you for lower rates.

Common Home Security Measures That May Lead to Savings

Consider the following specific aspects of home security and how implementing appropriate measures may reduce your perceived risk levels:

• Monitored alarm systems—Professionally monitored security systems can deter burglars and alert authorities quickly.
• Deadbolt locks and reinforced doors—These relatively simple measures can add an extra layer of protection to your home.
• Security cameras—Visible cameras can discourage criminal activity and provide valuable evidence in the aftermath of a crime or loss.
• Smart home technology—Devices such as smart locks, motion sensors and automated lighting can enhance security and may be viewed favorably by insurers.

How Our Team Can Help

At Allsafe Insurance, we work with homeowners in and around Garland, TX to identify ideal strategies for protecting homes and maximizing security, all while achieving optimal cost-effectiveness. Our team can help you compare policies, understand which security features may qualify for savings and make sure you have the right coverage for your needs.

Ready to explore your options? Contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.