Safety Upgrades That Can Help You Save on Home Insurance

Make your home more secure and unlock insurance savings.

No one wants to pay more for their homeowners insurance than they have to.  This is why many homeowners look for ways to lower their rates and unlock discounts.  One money-saving strategy that you can try is making safety upgrades your property.  When homeowners take steps to reduce their risk for property damage, theft, and personal liability claims, their insurers will often reward them in the form of a home safety discount.  Here are some of the ways that you can unlock this type of policy discount.

  • Get a Home Security System

Studies show that security systems reduce the risk of homes being burglarized by more than half.  Today, many home security systems come with safety features such as surveillance cameras and automatics fire or carbon monoxide alerts.  The most features your home security system has, the higher your home insurance discount may be.

  • Install Smoke Detectors

Over 90% of homes across the U.S. already have smoke detectors installed—and for good reason.  Smoke detectors remain an essential safety feature that warns occupants within a home that a fire has broken out.  Because smoke detectors are required by law in many places throughout the country, simply having one if your home will not necessarily unlock insurance savings.  However, if you go the extra mile, then your home insurance provider may take notice.  By installing smoke detectors on every floor and in every room of your home, you can increase the effectiveness of your home’s fire warning system.  Additionally, regularly inspecting your alarms to ensure they are working properly is also a great way to show your insurance provider that you value safety.  Finally, you can also score points with your insurance provider by connecting all your alarms, so they all go off when one detector is activated.

  • Invest in a Fire Sprinkler System

Fire sprinkler systems are great options for homeowners who want to protect against their fire risks.  These systems respond to fires inside the home and quickly release water or other flame retardants to contain the damage caused by heat, smoke, and flames.  Having a water safety system can save your home for total ruin, especially if your local fire station is slow to respond or is located far away.  Oftentimes, home insurance providers will issue discounts to homeowners who install these safety systems.

These are some of the upgrades you should make around your home to unlock insurance savings.  Do you have additional questions about your home coverage?  If so, then contact the experts at Pierce Insurance Group.  Our dedicated team is eager to assist you with all your home coverage needs today.

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