Home Security and Home Insurance

With domestic burglaries in the UK on the rise at the moment, it is understandable that many homeowners are adding extra security measures to their homes – after all, the more prepared you are, the less likely you are to be burgled. Increasing the level of security in and around your home can have a number of positive effects – as well as the obvious one of keeping you, your family and your possessions safe.

If you’re going to upgrade the security in your home, you should do it properly however: Things like a NACOSS (National Approval Council for Security Systems) approved alarm are worth paying money for, as they give you peace of mind knowing that the equipment you are using is of good quality, is installed properly and won’t fail when you need it most.

As previously mentioned though, using approved installers and good quality security equipment has other benefits as well, such as decreasing the cost of your home insurance premiums. Many companies will offer you a discount on your home insurance if you have a NACOSS approved alarm (moneysupermarket.com have reported people receiving up to a 7.5% discount), and by doing simple things like upgrading the locks on windows and doors and joining a neighbourhood watch scheme can also bring your premium down. In fact, it’s amazing how much you can save just by doing a few simple things and by shopping around as well –moneysupermarket.com gives you the ability to compare home insurance quotes from a huge number of providers and find the best deal for you.

The more secure your home, the less of a risk you pose to insurance companies, and as such they can afford to pass on lower premiums to you as they are less likely to have to pay a claim to you. Be aware however, if your security measures are not in place (ie your alarm is not set when you go out) and something happens to your property, the insurance company may not pay out should something happen.