Unlock home insurance discounts by making these security upgrades.
If you want to lower the cost of your homeowners insurance in Lancaster, CA, you have some options. For instance, you can lower your premiums by reducing your risks for common types of insurance claims. By being proactive and making these safety upgrades to your property, you can lower the cost of your home coverage.
- Upgrade Your Smoke Alarms
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 in 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.
- Secure a Home Security System
Studies show that security systems reduce the risk of homes being burglarized by more than half. When you have a security system installed at your home, you are not only protecting your belongings from being stolen; you are also protecting your home from any damage that burglars might cause during a break-in. Additionally, many home security systems now come with extra safety features such as surveillance cameras and automatic fire and carbon monoxide alerts. The more features your home security system has, the higher your home insurance discount may be.
- Install Deadbolts
Having deadbolts installed on all your home’s points of entry is a great way to slow down even the savviest of home invaders. This is why many home insurers offer discounts to homeowners who install deadbolts. However, the types of deadbolts that you choose does matter. When selecting deadbolts for your home, look for options that are labeled Grade 1 or Grade 2. Avoid Grade 3 deadbolts as they are the weakest. When installing deadbolts, make sure they extend at least an inch into the door jam and have a reinforced strike plate with three-inch-long screws. These factors will make it much harder for an intruder to kick in your doors and ransack your home.
These are some of the safety upgrades that you should make to your home to save on insurance. Do you need help finding affordable homeowners insurance in Lancaster, CA? If so, then contact the experts at John E. Peakes Insurance Agency. We are ready to assist you with all your home coverage needs today.