Home Security & Homeowners Insurance

Homeowners insurance isn't a luxury, it's essential. A kind of property insurance that covers expenses for repairing your home, it can compensate you for damage to the structure of your dwelling, your shed or garage, and your possessions --- even if they're lost and gone forever. But how can home security lower your homeowner's insurance rates? Here's what you need to know.

Protect Your Home Against Burglary

Aside from helping you protect your home, family and belongings, a burglar alarm can also help you save on homeowner's insurance. According to the Insurance Information Institute, most home insurance providers offer at least a 5% discount for homes with them. Note that a burglar alarm may get you one discount while a professionally monitored home security system may get you another --- check with your insurer to find out the exact details. Some providers require an alarm certificate to prove that your system connects with local authorities.

Protect Your Home Against Fire

The Insurance Information Institute also states that a smoke detector can garner a homeowner's insurance discount and a sprinkler system can get you an even greater one. This depends on where you live, as many areas require smoke detectors anyway, but it's a good practice to find out whether your insurance offers savings when you have fire, carbon monoxide or temperature sensors installed as well.

Bundle & Save

AAA Home Insurance offers a significant discount on home insurance plans when the customer has burglary and fire detection. Discounts vary based on area, type of system components (intrusion detection, monitored smoke detection, and fire sprinklers), and individual plan coverage. Contact AAA Home Insurance today for more info and a free quote at (800) 922-8228.

Their hours are:

• Monday - Friday, 4 am - 11 pm Pacific Standard Time

• Saturday - Sunday, 4 am - 7 pm Pacific Standard Time