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Does a Smart Home Security System Help with Insurance Costs?

A home security system minimizes the risks of property theft and damage and is a good step toward ensuring your family’s safety from unknown events. Insurance companies recognize that security systems reduce the likelihood your home will be burglarized or suffer costly water or fire damage. Therefore, home security systems help lower home insurance costs. 

 

Add-ons reduce the rates:

Some smart home security features reduce your monthly insurance rate. Consider the following add-on features.

  • Smoke alarms and flood detectors that are connected to your security system help keep insurance costs down.  
  • Centrally monitored security systems (24/7) give immediate notifications if an alarm is triggered and the monitoring company contacts the authorities in serious situations. This level of coverage lets your family save money when insuring your home. 
  • Security cameras collect video footage that helps with theft or vandalism claims, expediting the process and helping catch offenders. Ask your insurance provider how much this feature can reduce your insurance rates. 

 

How much can you save?

Security systems help decrease the incidence of property damage and lower the risk of theft which can qualify homeowners for insurance discounts. The extent of the discount of your premiums will depend on the location of your home, the grade of your security features, and your chosen insurance provider. Discounts for traditional alarms range between 2 and 5%. An alarm system that is connected to a central monitoring system can save homeowners between 10% and 15% on insurance rates. A comprehensive home security system makes insurers feel more confident about your home safety and may reduce insurance premiums by as much as 20%. There’s no fixed equation on how each security feature will impact your home insurance rates so discuss your security system with your insurance broker and read your policies carefully.

 

Security systems do more than just protect your property. A home security system offers a reduction in insurance premiums along with a safer, more secure home. Ask your insurance provider which security system they recommend and enjoy discounts of up to 20%.

 

Want to reduce your home insurance premiums with a security system?  Interested in smart home automation? Contact SMART | Home Security. We’re a Calgary-based company partnering with TELUS, Canada’s leading provider of advanced home security systems. Call us at 587-800-1542. We’ll help you develop a customized home security plan. 

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Educational Articles

What Does a Smart Home Security System Include?

A home monitoring system consists of many components that work together to keep you and your family safe. The following are the main security system components you should be aware of if you are considering investing in a smart home security system.

 

  • Security cameras: Surveillance cameras enable livestream footage remotely and send a notification to your device (through the use of an app) when the camera detects movement, people or packages. They can be installed indoors or outdoors and can often tilt and pan. Some are even equipped with night vision capabilities. Use these cameras to monitor your home and loved ones from wherever you are.
  • Motion sensors use vibration, infrared heat, microwave pulses or a combination of these to detect when an intruder enters a home. They’re usually placed in the main entryway on the ground floor notifying you when there are unusual movements within your property. Motion sensors can turn on indoor and outdoor lights, activate cameras, set off alarms and more.
  • Entry sensors: This contact sensor is placed on a window and/or door and senses if that entry point is opened, alerting your control panel if a door or window is breached. One piece of the component attaches to the door or window itself, while the counterpart is attached to the frame. Entry sensors are suggested for all windows and doors on the ground floor. 
  • Glass break sensors detect the frequency of the sound of breaking glass and alert via mobile notification. They let you know if someone attempts to enter your home by breaking the windows or glass doors. They’re placed indoors, near glass features and are an effective way to boost security. 
  • Smart locks allow keyless entry to your home via an app. Keyless entry options include proximity unlocking with your smartphone, remote unlocking with your smartphone, custom code numbers for anyone who needs to enter your home, voice commands, and touch or fingerprint recognition. These locks allow you to create permanent or temporary entry codes for visiting guests, cleaning services, dog walkers, repair services and individual members of your family.
  • Video doorbells have a camera that livestreams what it captures, sending notifications to your mobile device and showing a live feed of whoever is waiting on your doorstep. This makes it easy to communicate with visitors via an installed speaker, without having to open the door.
  • Control panel: This device is used to activate and deactivate monitors. Your control panel is the central station for your entire security system, so it’s the most important piece of equipment in the system.
  • Garage door security: Tilt sensors alert you when your garage door is opening and allow you to open and close your garage door from wherever you are. 
  • Smartphone access allows you to control and view your home security system from your phone or another wireless device.
  • Yard signs and window stickers placed prominently in front of and on your home help to deter intruders from entering.
  • 24/7 Professional Monitoring is frequently a part of a smart alarm system. An alarm goes to the company’s monitoring center where it is determined whether emergency services are required. If needed, the monitoring center contacts the appropriate dispatch center (fire, police, ambulance).

Keeping your home and family safe is a basic concern for most homeowners. Before purchasing a security system, it’s important to know about the components included so you can choose a system that’s strong in all areas and includes important security devices. Enjoy peace of mind knowing your family and home are safe. Secure your property from intruders, vandalism, and burglars with the latest in technology by considering a smart security alarm system. It will have your back!

 

Interested in a home monitoring system? Want to know more about the components of a smart security system? Contact SMART | Home Security. We’re a Calgary-based company partnering with TELUS, Canada’s leading provider of advanced home security systems. Call us at 587-800-1542. We’ll help you develop a customized home security plan. 

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Educational Articles

What Is a Smart Home Alarm System and How Does it Work?

Are you aware of how many homes are broken into each year? In 2019, 196,291 break-ins were recorded in Canada! Breaking and entering continues to be one of the most common offences, accounting for 12% of property crimes. It’s no wonder house alarm systems have become increasingly popular, or that interest in smart home systems has grown.

 

What is a Smart Home Security System?

A smart home security system is a group of physical electronic components (such as security cameras, motion sensors, glass break sensors, and sirens) that are interconnected to the Internet. They allow users to view live footage from a mobile app, receive notifications when alarms are triggered, and control the system remotely. Smart alarm systems empower homeowners to build their own network of security while retaining control, usually through their cell phones. These security systems are simple, convenient, and affordable.

 

What are the Basic Components of a Smart Security System?

  • Security camera: This component enables live-stream footage remotely and sends a notification when the camera detects movement, people or packages. 
  • Motion sensor: Usually placed in the main entryway on the ground floor of a home, this component detects motion and alerts the system. 
  • Entry sensor: This contact sensor is placed on a window and/or door and senses if that entry point is opened. Entry sensors are suggested for all windows and doors on the ground floor. 
  • Glass break sensor: This sensor detects the sound of glass breaking and alerts via mobile notification.
  • Siren: A siren usually goes off at the same time as other alarms and is intended to scare away intruders, alert you, and/or alert your neighbours.
  • Smart locks allow keyless entry to your home via an app.
  • Control panel: This device is used to activate and deactivate monitors.

 

Professional Monitoring: 

24/7 professional monitoring is frequently a part of a smart alarm system. An alarm goes to the company’s monitoring center and it is determined whether emergency services are required. If needed, the monitoring center contacts the appropriate dispatch center (fire, police, or ambulance). 

Enjoy peace of mind knowing your family and home are safe. Secure your property from intruders, vandalism, and burglars. Protect every inch of your house while seeing what’s happening, in real-time, from your mobile device. Upgrade your home with the latest in technology by considering a smart security alarm system. It will have your back!

Interested in a smart alarm system? Want peace of mind for your family? Contact SMART | Home Security. We’re a Calgary-based company partnering with ADT by TELUS, Canada’s leading provider for advanced home security systems. Call us at 587-800-1542. We’ll help you develop a customized home security plan.