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Can I receive a discount on my home owners Insurance

Yes

Most Insurance providers provide a discount for home owners with a home security system.

Most home owners that I have met did not even know this was available to them. I have seen homes that actually paid less for their monitoring than the savings that they received from their insurance provider.

Insurance companies have been known to give discounts as high as 20% to customers with alarm systems with monitoring in place. Insurance companies deem the risk in insuring a client to be less if you have a home security system, since you are less apt to be burglarized to begin with. Upon installing your home alarm, your security company will give you signs for your home, letting  criminals know your house is alarmed. These signs are effective as crime deterrents, and those burglars who aren’t deterred by the signage tend to steal less upon entry after tripping security alarms. Fire detectors and Medical Pendants may also be installed for additional insurance savings. All of this translates into savings for the insurance company, which they are willing to pass on to you to get your business.

Logically, since all insurance companies are interested in lowering the number of claims they must process, they will be willing to grant significant discounts to homeowners that implement an monitored home security system. Each insurance provider will have its own specific definitions concerning the kind of security they require their customers to install to be eligible for discounts. Different companies may provide different discounts.

2) Increased Home Value

Aside from protecting your home, family and valuables, installing a home security system will add lasting value to your house. It is a long-term investment that will pay off down the road. Remember, the cost of purchasing and installing security alarms costs just a small fraction of the value of your home. Keep in mind that you’re likely to get back what you spent for it when you sell, since a home alarm system is an attractive selling point your real estate agent can use if you place your home on the market.

It’s important to note that security alarms probably won’t cost as much as you think, especially when the insurance benefit is factored in. It’s true that today’s home security systems are more elaborate and advanced than ever before. However, if you live in a normal home, you probably will not need to purchase the most advanced system on the market to get reliable home protection. As a type of technology improves and becomes easier to manufacture, it also becomes cheaper.

Most of the factors that determine your home insurance premium are difficult to change. For example, features like your home’s location, the value of the house, and the value of its contents are factors that are somewhat fixed and cannot be significantly changed. However, there are some actions you can take that will reduce your home insurance premium considerably.

While there are many minor things you can do to let your insurance company know your house is protected, the single most effective way is to implement a home security system with active monitoring from a service provider—such as ADT. Companies like ADT monitor your home alarm system 24/7 and react quickly to many kinds of emergency situations. They can detect an intruder, a fire, and even dangerous contaminants such as carbon monoxide, and gas. The more dangers that your home is protected from the more likely it is that you will receive a sizeable discount from your insurance company.

For more information contact Affordable Industries your Custom Security Baton Rouge installation company.

You may also click on any of the links below.

Certified Alarm Baton Rouge, Certified Alarms Baton Rouge, Affordable Industries ,Baton Rouge Security Companies

Medical Pendant

Medical pendants are  devices that can be worn around the neck or wrist to alert someone in case of a medical emergency. National statistics are 1 out of every 3 people over the age of 60 this year will fall needing medical attention. This is a very alarming number considering how many people now live alone.

I have personally installed medical pendants on a security systems that have saved home owners lives.

One of the customers we installed within a couple  weeks of installing went out to cut grass and fell down an heavy briared and wooded embankment next to a river. She was not able to get up because she broke her wrist and ankle in several places. She hit the medical pendant and was able to be found in a matter of minutes. The fire department said she would have not able to be found except for the medical alarm going off by setting the medical pendant.

My grandmother also fell in her apartment before we installed security systems and broke her hip. It took my grandmother several hours to pull herself to her phone and call for the ambulance. I can only imagine the pain she was in and wondering if she would be able to get to the phone. I have met people that have broken various bones in home falls and also have met those that needed medical attention that would not be able to get to a phone.

One of ours customers planted and loved to work in his garden. Sometimes he would fall and not be able to lift himself back up. He had told me that he had fell and it started raining and had to stay in the rain until someone came and found him. We installed the pendant and he was able to work in his garden again without the fear of falling and no one being able to find him.

One of our customers living in a very nice large upscale neighborhood woke up to someone standing over his bed with a gun demanding money. The person robbed him and took off. His children called me and asked me could I install a security system in the home. While we were installing the security system I went to his house and knocked at the door and he said come on in. I was thinking I could be the burglar that just had came and he would have invited me right in because our customer was in a wheel chair and had oxygen lines running everywhere it was hard to get to the door. We installed a security system, medical pendant, and video door phone and the customer was able to live at home unattended. The customer passed away several years later and while talking to his children they told me that he enjoyed the system very much and that the video door phone was won of his most enjoyed things at home he loved.

These are just some of the testimonies of our customers that we ran back into and was able to see were it saved, are helped improve their life tremendously. I would encourage anyone living alone over the age of 60 to highly consider getting a monitored alarm and medical pendant.

Written by Mark L. Dake

for Affordable Industries , custom security baton rouge, certified alarm baton rouge, certified alarms baton rouge, Baton Rouge Home Security,Los Angeles Security Systems

Fire Facts

I have personally met people that have been in a house fire. Some of them barely made it out alive and others where physically and emotionally scared for life. A fire can double in size every 3 seconds.

Fire is nothing to be thought of lightly. Here are some facts about fires.

Everyday Americans experience the horror of fire. But most people don’t understand fire. Only when we know the true nature of fire can we prepare our families and ourselves. Each year more than 4,000 American’s die and approximately 25,000 are injured in fires many of which could have been prevented. Nearly 1,000 lives are lost to fires that originated in the bedroom and about 100 firefighters are killed in the line of duty each year. Each year in the United States fires kill more American’s than all natural disasters combined. About 80% of these deaths occur in residences and it is estimated that over 39% of residential fires and 52% of residential fatalities occur in homes with no smoke alarms. A working smoke alarm dramatically increases a person’s chance of survival. Residential sprinklers have also become more cost effective to install in homes although few homes still have them. During the winter months, the potential for fires increase because of the use of Christmas trees, heating appliances such as the furnace, space heaters, and fireplaces as well as the increased use of lighting. House fires in the U.S. that are started by candles are at a 20-year high. Children playing with fire set over 100,000 fires annually and over 30% of those fires kill the children who started them. This is over 800 children killed each year by the fires they set playing. Studies of electrical fires in homes show that many problems are associated with improper installation of electrical devices by do-it-yourselfers. Common errors that can lead to fires include the use of improperly rated devices such as switches or receptacles and loose connections at these devices. A house fire is reported in the United States every 90 seconds this is an average of 1.9 million fires reported each year and someone dies in a house fire every two and one-half hours.

  • FIRE IS FAST

There is little time!

In less than 30 seconds a small flame can get completely out of control and turn into a major fire. It only takes minutes for thick black smoke to fill a house. In minutes, a house can be engulfed in flames. Most fires occur in the home when people are asleep. If you wake up to a fire, you won’t have time to grab valuables because fire spreads to quickly and the smoke is too thick. There is only time to escape.

  • FIRE IS HOT

Heat is more threatening than flames!

A fire’s heat alone can kill. Room temperatures in a fire can be 100 degrees at floor level and rise to 600 degrees at eye level. Inhaling this supper hot air will scorch your lungs. This heat can melt clothes to your skin. In five minutes a room can get so hot that everything in it ignites at once: this is called flash-over.

  • FIRE IS DARK

Fire isn’t bright it’s pitch black. Fire starts bright, but quickly produces black smoke and complete darkness. If you wake up to a fire you may be blinded, disoriented and unable to find you way around the home you have lived in for years.

  • FIRE IS DEADLY

Smoke and toxic gases kill more people than flames do!

Fire uses up the oxygen you need and produces smoke and poisonous gases that kill. Breathing even small amounts of smoke and toxic gases can make you drowsy, disoriented and short of breath. The odorless, colorless fumes can lull you into a deep sleep before the flames reach your door. You may not wake up in time to escape.

  • CAUSES OF FIRES AND FIRE DEATHS

Cooking is the leading cause of home fires in the U.S. It is also the leading cause of home fire injuries. Cooking fires often result from unattended cooking and human error, rather than mechanical failure of stoves or ovens. Careless smoking is the leading cause of fire deaths. Smoke alarms and smolder-resistant bedding and upholstered furniture are significant fire deterrents. Arson is both the second leading cause of residential fires and residential fire deaths. In commercial properties, arson is the major cause of death, injuries and dollar loss. Heating is the third leading cause of residential fires. Heating fires are a larger problem in single-family homes than in apartments. Unlike apartments, the heating systems in single-family homes are often not professionally maintained.

  • WHERE FIRES OCCUR

Fires in single family dwellings most often occur in the: 1. Kitchen (25.5%) 2. Bedroom (13.7%) 3. Living Room (8.6%) 4. Chimney (8.2%) 5. Laundry area (5%)

Apartment fires most often occur in the: 1. Kitchen (48.5%) 2. Bedroom (13.4%) 3. Living Room (6.4%) 4. Laundry area (3.5%) 5. Bathroom (2.4%)

  • WHO IS AT RISK

Senior citizens age 65 and older and children under the age of 5 have the greatest risk of fire death. The fire death risk among seniors over 65 is more than double; over the age 75 triple; over the age 85, 3 and on half times the average population. Children under the age of 10 accounted for an estimated 22.2 % of all fire deaths. Men die or are injured in fires almost twice as often as women. African Americans and American Indians have significantly higher death rates per capita than the national average. Although African Americans comprise an estimated 13% of the population, they account for 26 % of the fire deaths.

NOTE: IN THE ESTIMATED TIME IT TOOK YOU TO READ THIS PAGE THERE HAS BEEN AN ESTIMATED 3 TO 4 STRUCTURE FIRES REPORTED SOMEWHERE IN THE UNITED STATES.

For More information you may look at the websites below

Certified Alarm Baton Rouge, Custom Security Baton Rouge, Affordable Industries, Certified Alarms Baton Rouge, Baton Rouge Security Companies

Ask About Our Special Promotion On A Security System

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Hardwired System Components

Master Control Panel

The master control panel or main control unit, is the brains for a security system. It is usually installed above a door in a interior master bedroom, or hallway closet but could be installed in many different locations as well. Most wiring is connected to the master control panel from individual components of a security system. The wiring is usually installed in the attic area but in some cases may be installed underneath flooring of raised homes. The master control panel is responsible for receiving signals from sensors,keypads, Etc…  and processing that information in order to execute a pre-programmed course of action(Example: turn on a siren, send alarm signals to a monitoring center etc…).

Keypad

The Keypad is like the heart of a security system. The keypad allows the user to interact with the security systems master control panel. Most keypads are installed near entry doors and in the master bedroom. The keypad allows the user to do various functions like arm the system, disarm the system, press panic switches for Fire, Medical , or Police, put in a hostage code if you are being held hostage, and many other functions.

Window and Door Sensors

The window and door sensors or small sensors that send signals to the master control panel. The sensors can be recessed or surface mounted. Recessed sensors are usually cylinder in shape and are placed within a 3/8″ drilled hole in the door frame and door . On pre-wired homes the windows may be drilled to hide the cylinder contacts in the recesses of the window cavity. Surface mounted contacts are usually rectangular in apperiance and connected to wiring that is usually not hidden in most cases. Most Door and window contacts are now made with a magnetic reed switch.

Motion Detectors

Motion detectors are devices used to detect motion. Motion detectors are usually placed in corners of a living areas, Hallways, and  Master Bedrooms. Motion detectors are only activated in the away mode in most alarm systems. That way if someone intrudes and gets in some other way besides a contacted window or door activation it may set the alarm system into alarm mode.

Smoke Detectors

Smoke detectors are security system components that detect smoke in case of a fire. Smoke detectors are usually installed on the ceiling but sometime are installed within several inches of the ceiling. Smoke detectors should not be placed in attics, utility rooms, garages, or near ventilation vents. Most authorities having jurisdiction require one smoke detector in each bedroom, at the entrance of the bedrooms, and one one each story. Most smoke detectors used in a security system operation are photoelectric smoke detectors. These detect cold or hot smoke. Some fires start out just smoldering and produce large amounts of cold smoke which will usually not set off a standard store bought smoke detector. This could be very important if a fire produces cold smoke by the time it sets off a standard smoke detector the smoke could be so thick that you could get smoke afficiation or may not be able to see to get out of the home.

Heat Detectors

Heat detectors are devices used to detect heat in case of a fire. Heat detectors are usually placed in areas that a smoke detector would not be able to be placed. Examples: Utility rooms because smoke detectors would false because of high lint content. Attic where their may be high air bound insulation which would cause a smoke detector to false. Garage where their may be high dust content or car exalt fumes. Kitchen area where smoke from cooking could set off an false alarm.  Heat detectors have temperature ratings on them. Inside heat detectors are usually rated at 135 degrees and attic heat detectors at 194-200 degrees farenheit.

written by Mark Dake

For more information please see sites below

Certified Alarms Baton Rouge, Affordable Industries, Custom Security Baton Rouge, Certified Alarm Baton Rouge, Baton Rouge Security Companies

Home Owners Insurance Savings

Yes. I have seen homes that actually paid less for their monitoring than the savings that they received from their insurance provider.

This week I installed an Adt monitored security system for my sisters home. We were running a special promotion were she only had to agree to monitor the system for 36 months and would receive the standard equipment at no upfront cost. The monthly monitoring was $33.99 per month which also included and maintenance agreement totaling $407.88 per year. While talking to her she told me that she had just switched home owners insurance provider. She asked if she could get a certificate of installation so that she could get a discount on her home owners insurance. She told me that she would be saving over $600 dollars in a year. She would actually be pocketing over $200 per year and have a monitored security system installed and monitored for burglary, fire and medical  with a maintenance agreement. WOW

Most home owners that I have met did not even know this was available to them.

Insurance companies have been known to give discounts as high as 20% to customers with alarm systems with monitoring in place. Insurance companies deem the risk in insuring a client to be less if you have a home security system, since you are less apt to be burglarized to begin with. Upon installing your home alarm, your security company will give you signs for your home, letting  criminals know your house is alarmed. These signs are effective as crime deterrents, and those burglars who aren’t deterred by the signage tend to steal less upon entry after tripping security alarms. All of this translates into savings for the insurance company, which they are willing to pass on to you to get your business.

Insurance companies are also interested in lowering the number of claims they must process, they will be willing to grant significant discounts to homeowners that implement an monitored home security system. Each insurance provider will have its own specific definitions concerning the kind of security they require their customers to install to be eligible for discounts. Different companies may provide different discounts.

Increased Home Value

Aside from protecting your home, family and valuables, installing a home security system will add lasting value to your house. It is a long-term investment that will pay off down the road. Remember, the cost of purchasing and installing security alarms costs just a small fraction of the value of your home. Keep in mind that you’re likely to get back what you spent for it when you sell, since a home alarm system is an attractive selling point your real estate agent can use if you place your home on the market.

For more information please see the links below

Certified Alarms Baton Rouge, Affordable Industries, Certified Alarm Baton Rouge, Custom Security Baton Rouge, Baton Rouge Security Companies