Security products that can lower your homeowner’s insurance. Florida is one of the states where homeowner’s insurance costs are among the highest. According to the Insurance Information Institute, homes in the Sunshine State pay an average premium of $6,000 per year. However, despite the high prices, going without insurance is not a viable option, and many homeowners wonder how to lower their policy premiums while still protecting their most significant investment.
The reality is that there are several security products that not only protect your home and family but can also help you reduce the cost of insurance. Here are some of them:
- Surveillance Cameras: Surveillance cameras provide a visual deterrent to potential intruders and offer an effective way to monitor your property. Many insurance companies offer discounts for having security cameras installed because they reduce the risk of theft and damage.
- Fire Extinguishers and Smoke Detectors: Keeping fire extinguishers and smoke detectors in your home not only saves lives but can also lower your insurance premiums. These devices help prevent and minimize damage caused by fires, which is highly valued by insurers.
- Door and Window Sensors: These sensors alert you to unwanted intrusions, giving you time to react and notify authorities. By adding an extra layer of security, you are likely to receive discounts on your insurance.
- Impact-Resistant Doors and Windows: If you live in an area prone to storms or hurricanes, impact-resistant windows not only enhance security but can also reduce premiums by reducing the risk of wind and flying debris damage. Some state programs, like My Save Florida Home, can help you finance the installation of impact-resistant doors and windows.
- Water Sensors: Water sensors detect leaks and water damage, preventing more extensive and costly problems. By preventing structural damage and water-related issues, you may qualify for discounts on your policy.
In addition to these products, consider professionally monitored security systems, such as alarms connected to monitoring centers. They not only increase the security of your home but many insurance companies recognize this investment and offer financial rewards.
Remember that investing in these products can protect not only your family and your home but also your long-term budget. Before purchasing any device, be sure to consult with Univista Insurance to find out what specific discounts they offer and how these products can impact your premiums. Safety and peace of mind are worth the investment, both for your home and your budget. Security products that can lower your homeowner’s insurance.