2 Home Improvements That Can Reduce Your Home Insurance Rates
Home insurance is one of the most important things that you can purchase as a homeowner, mostly because it can protect you financially from quite a few different disasters and accidents. However, since home insurance is an ongoing expense, it is typically a good idea to reduce the cost as much as possible. Listed below are two improvements that you can make to your home that can reduce your home insurance rates.
Impact-Resistant Glass
One of the easiest ways to reduce your home insurance rates is to make your home more secure against damage from either intruders or major storms. A simple way to accomplish this is by replacing your home's windows with impact-resistant glass. This type of glass takes two panes of glass and connects them with a thin layer of adhesive film.
The purpose of the film is to ensure that if the window is broken then the pieces of broken glass will remain in place. This secures your home against intruders by making the break-in process lengthier and noisier, which reduces the chance of the intruder getting into your home. Since the glass makes it less likely that your insurance company will have to pay to replace any stolen property, they will often be happy to give you a discount on your policy.
The impact-resistant glass also makes your home safer during a major storm where debris is flying around due to high winds. If the debris were to strike an impact-resistant window, the glass will not scatter into the home and cause harm to your family. In that situation, the insurance company may give you a discount as you will be less likely to file a medical claim due to the shards of glass or a repair claim to fix damage to the interior of the home.
Home Security System
Another resource that can help you reduce your home insurance rates is a home security system. A home security system greatly reduces the chances that someone will choose to break into your home, which lessens the risk of damage to your home or lost property. In many cases, if an intruder sees that you have a home security system in place, he or she will move on in search of an easier target.
A home security system can also help you reduce your insurance rates by protecting against other types of damage as well. Many modern alarm systems go beyond simply alerting the security company to a break in. In many cases, these systems will also detect fires and alert the security company so that the fire department is notified as soon as possible, which will help to minimize the damage that the fire causes.
Contact your home insurance provider or agent today to discuss other home improvements that can reduce your rates. Home security systems and impact-resistant glass can minimize the risk of damage and break-ins, which will often lead to lower home insurance rates. To learn more, contact a home insurance agency like Kerr Agency.
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