If you've been wondering whether a home security system could reduce your home insurance premiums - the answer is yes! Most home insurance providers take your home security system into account when they prepare a home insurance quote. There are some postcodes in the UK where you'll be unable to get an insurance quote without a home security system in place! So, if you're considering getting house insurance, we'd highly recommend installing a home security system first.
How do security systems impact insurance?
When insurers are assessing your house to determine whether they'll provide cover or not they take lots of different factors into account, including:
- The area you live in
- The value of your belongings
- The security measures you have in place
Insurers use this information to decide how much of a risk you are. If your property is very secure and in a good, low-crime area, you're at a lower risk of being burgled - so insurance companies are happy to provide cover for your home and its contents.
How much could you save?
the type of home insurance discount you get for your security system depends on how elaborate it is. A single intruder alarm may only bring your insurance premiums down by around 5 percent. A bespoke home security system that features intruder alarms, CCTV cameras, door access control systems and more could reduce your home insurance premiums by up to 20 percent!
Installing a home security system
Creating the best security system for your home is not always straightforward. In fact, if you want to get the most out of your home security system, we'd recommend creating something bespoke rather than installing one off the shelf. When you work with the team here at IDS, we will survey your home and provide helpful advice so that you know how to make your home as secure as possible.
Installing CCTV cameras around your home is a great way to keep an eye on all of the vulnerable spots and access points around your home. We use state-of-the-art technology that allows you to monitor your home whenever and wherever you are. Better yet, if a burglary does take place while you're away, you'll have footage recorded that you can use to find the perpetrators. Since CCTV cameras are a deterrent for burglars, insurers will often reward you with lower insurance premiums if you have them installed on your premises.
CCTV Cameras >
Read More: Is it Worth Having CCTV at Home?
Another excellent way to protect your property and bring your insurance premiums down is to install an intruder alarm. These are designed to alert you if someone tries to break in. Long gone are the days where intruder alarms were only effective if someone close by responds to them. Now, intruder alarms can be monitored remotely and around the clock, providing a far higher level of protection compared to older models. This protection against burglaries is sure to bring your insurance premiums down.
Intruder Alarms >
Read More: Types of Intruder Alarms - Which One is Right for You?
These are just a few of the things we can incorporate into your home security system to help you reduce your home insurance premiums. If you'd like to speak to one of our technicians to arrange a FREE home survey.