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Article

Home Security Systems Provide a Safe Environment for Family Members

By: Dr. Jay B Stockman O.D.

There were 4 million household burglaries in the United States, nearly 500,000 resulted in bodily injury, and 20,000 resulted in homicides, frightening statistics. Additional statistics reveal that a home without a security system is three times as likely to be burglarized as compared to one which is equipped with a security system. These facts make it obvious that a home security system will reduce

your chances of intrusion, and can protect your life and property. It is therefore necessary to conduct an extensive home security review, to determine the appropriate systems necessary to secure the safety of yourself, and home.

There were 4 million household burglaries in the United States, nearly 500,000 resulted in bodily injury, and 20,000 resulted in homicides, frightening statistics.

Several points should be kept in mind while conducting a home security review. Security needs should be a first consideration. While it may be obvious that you should be the best judge of security requirements, a security expert has the experience to evaluate your home for vulnerabilities that are not obvious to a layperson. After a full examination of your home, a security specialist will be able to make note of all soft spots, and suggest the kind of equipment necessary to strengthen these soft spots.

The next consideration is security monitoring. Security monitoring can be a sophisticated central monitoring service, or a simple home security system, cost and needs are the determining factors. The central monitoring services are ideal because they ensure that appropriate measures are taken whenever an intrusion is detected. A monitoring team that works from a central station verifies every suspicious activity the moment it receives an alert. While an ideal deterrent, this type of monitoring is relatively expensive, and subject to the experience and professionalism of the company. You must find out if the central monitoring station is certified by Underwriters Laboratory; that it has a power back up system

that can run for 10 to 15 hours; that it is run by trained staff; that it alerts local authorities within seconds of receiving a security alert.

Less costly is a simple home security system consisting of a control panel, a couple of magnetic switches, a motion sensor or two, and an alarm device. This can be hard wired or wireless. The more advanced systems feature a video camera that can be monitored by family members. The biggest advantage of this system is that it scares away potential intruders. This may happen when an intruder sees a yard sign, a decal sign or any of the installed sensors or video cameras. There is a one-time installation charge, with no recurring expenses.

While there are no guarantees, any home security system could scare away potential intruders. Any type of prevention will go along way to reduce the likelihood of a break in, or home assault by a stranger. Remember, the main objective of any home security system is to provide a safe environment for family members, and to limit the loss of property.

About the Author

Jay B Stockman is a contributing editor for Best Home Security Companies. Visit http://home-security-usa.com/ for more information.

Dr. Jay B Stockman is an individual contributor to Google Health Co-op

Dr. Jay B Stockman's public Google Health Co-op profile

Recommended Resources

Home Security Daily Article

Most people want lower insurance costs but are often too lazy to do anything about it. All it takes is a little time and effort and you could be looking at a reduced insurance premium.

Here are some useful tips on reducing insurance costs:

Shop Around

Although it may sound an obvious thing to do, you will be surprised at how many people just renew their policy without comparing prices. It'll take some time, but could save you a good sum of money.

Check consumer guides, insurance agents and online insurance quote services. Ask friends what they are paying for their policies. This will give you an idea of price ranges and tell you which companies have the lowest prices. But don't consider price alone. The insurer you select should offer a fair price and deliver quality service.

Raise Your Excess Amounts

Excess amounts are the amount of money you have to pay toward a loss before your insurance company starts to pay a claim, according to the terms of your policy. The higher your excess, the more money you can save on your premiums.

Buy your home and car policies from the same insurer

Some companies that sell homeowner, car and personal liability insurance policies will offer you a reduced premium if you buy two or more insurance policies from them. But make certain this combined price is lower than buying the different policies from different companies.

Improve your home security

You can usually get discounts for fitting a smoke detector, burglar alarm or dead-bolt locks. Some companies offer quite substantial reductions on premiums if a sophisticated sprinkler system and a fire and burglar alarm that rings at the police, fire or other monitoring stations is installed. These systems aren't cheap and not every system qualifies for a discount. Before you buy such a system, find out what kind your insurer recommends, how much the device would cost and how much you'd save on premiums.

Maintain a good credit record

Establishing a solid credit history can cut your insurance costs. Insurers are increasingly using credit information to price homeowners' insurance policies.

To protect your credit standing, pay your bills on time, don't obtain more credit than you need and keep your credit balances as low as possible.

Stay with the same insurer

If you've kept your policy with a company for several years, you may receive a special discount for being a long-term policyholder. But make certain to periodically compare this price to ensure that you are getting the most competitive price.

You may freely reprint this article provided the author's biography remains intact:

About the Author

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the www.directonlineloans.co.uk website.

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