A home security system can be one of the best ways to protect your property and keep your family safe. It’s a common misconception that home security systems only include burglar alarms and criminal deterrents. While that may have been the case several decades ago, a modern home security system covers a host of different services. Simply having a security system installed can get you a New Jersey home insurance discount from https://newjersey-insurance.net/new-jersey-home-insurance/ immediately after installation. Some insurance agencies offer up to 15 percent off your premium for having a working home security system.
Minimize Fire Risk With a Home Security System
Most home security systems that can improve your New Jersey home insurance premium include a fire-detection system. This connects all of your smoke detectors to your main security interface and keeps track of your home’s internal temperatures. If a fire breaks out anywhere inside your house, the security system will contact the fire department while you evacuate the house. The security system will also contact you if a single smoke detector goes off to ensure that there aren’t any false positives.
Sensors that monitor your utilities are usually included in a standard security system. These devices can help warn you if there’s a natural gas leak before the problem gets out of hand. Other sensors can detect leaks in your water pipes or any water heater malfunctions. These water sensors can be installed on individual appliances or on water pipes throughout the house. You’ll receive a much larger discount if you opt to have the sensors going throughout your home.
Advanced Home Security
Along with a variety of other features, a home security system is still focused on keeping your home safe from criminals. New Jersey home insurance companies don’t require that you have an advanced security system in order to receive a discount. If you have a basic plan that includes door and window sensors, you’re eligible to receive a credit or a discount of some sort. If you add more security systems to your home, you’ll receive a greater discount.
Some high-end systems include interior and exterior video cameras that can be viewed by the homeowner or the security agency if someone trips the alarm. This feature is especially useful for people who own large houses, or travel often. All of these advanced home security systems combine to help reduce the cost of New Jersey home insurance.