The stats don’t lie: According to Alarms.org, burglars are most attracted to homes without security systems, yet only 17 percent of houses have such a system. And homes without a security system are 300 percent more likely to get burglarized. If you have been considering an alarm system for your home, you may be wondering two things:

Let’s answer each of these questions…

System Types

There are many types of systems out there; the one you choose will depend on your budget, personal preferences, how your home is set up, and how safe your neighborhood is. Here are the basics:

Wired Home Alarm System

These are your basic burglar alarms. They utilize a low-voltage electrical circuit flowing between two points throughout your home’s doorways and windows or any other entry point. This current flows fairly easily when all the doors and windows are shut. But, when one is opened, the circuit gets disrupted and the alarm gets triggered.

Wireless Home Alarm System

This is just what it sounds like: a security system without wires. They utilize a control panel with a series of sensors connected with built-in radio frequency transmitters. Once the alarm has been triggered, a signal gets transmitted to the control panel, and then the alarm gets activated.

Monitored Home Alarm System

You get more peace of mind with a monitored alarm system because a central dispatch center is notified if the alarm is ever tripped. As a result, they will send emergency services to your home to respond.

Unmonitored Home Alarm System

This type of system relies on you to alert the authorities of any emergency. Audible and visual alarms go off if your system has been tripped, but there is no central monitoring center that is automatically notified to dispatch assistance. Unmonitored systems are more affordable than monitored systems but don’t give you the same level of protection.

Homeowners’ Insurance Savings

When you install a home security system, you can save between two and 10 percent on your insurance premiums. The amount you save will depend on the type of system you have and the insurance provider you have. You could get an even bigger discount if your home has more than one type of protective device or if your alarm system includes high-end features such as 24/7 professional monitoring. In fact, if you have your home insured for more than $1 million, some insurance carriers require you to install professionally monitored security systems.

Some insurers will offer separate policy credits for fire sprinklers, deadbolts, and security systems; others include multiple safety or surveillance features within one blanket policy credit. The key is to speak with your insurance representative and go over your options.

Contact Bearce Insurance About Homeowners Insurance in Bridgewater and Brockton

We would be happy to help! For more information on how your home security system impacts your policy rates, contact us locally at 508-586-3400 or toll-free at 800-498-9900, or get a convenient online quote.