a home that's lowered their home insurance premiums by increasing their security measures.

How to Prevent Home Burglaries and Lower Insurance Costs

Setting up measures to protect your home from burglars has an additional advantage besides safety: lowering your home insurance premiums. When you take extra measures to keep the contents of your home safe and secure, your insurance company will reward you with lower costs because the odds of them having to pay out a claim go down.

So, what can you do to prevent burglaries? Here are some suggestions that are known to work.

Install Flood Lights Outside

Home invaders don’t like to be noticed, making outdoor lighting a good deterrent. Even better, if you set up those lights on a motion sensor system, anyone walking towards your home in the dark will get a surprise that will more than likely scare them away (unless they were invited to visit you, of course.) Consider putting flood lights on the exterior corners of your home, as well as in your yard, in order to illuminate it properly.

Set Up a Camera and Smart Home System

Camera systems are fairly inexpensive these days. They’re small and unobtrusive, as well as digital, so you won’t have to worry about having to purchase a clunky recorder that requires video tapes. Plus, many of them are attached to smart home systems, allowing you to open and close the curtains, turn on the porch lights, and more from anywhere, just by using the app on your tablet or smartphone. Visible cameras and a smart home system, where you can make it look like you’re home when you’re not, will deter burglars who don’t want to get caught.

Don’t Forget About the Ring Doorbell

Ring doorbells make a good addition to your home security system. They contain a camera that’s motion activated, while also working as a doorbell. The camera typically covers your entire front porch or stoop area, allowing you to see who’s at the front door and whether or not their intentions are honorable. Like the new camera systems, Ring doorbells have an app that allows you to see what’s been recorded and even who’s at your door that very minute. They’ve even been known to capture footage of people walking or driving down the street due to their sensitivity, allowing you to keep an eye on your whole neighborhood, which helps your neighbors out as well.

Upgrade Your Door Locks

It sounds like such a simple thing, but door locks often get overlooked due to the digital technology that people turn to in order to keep their homes safe. However, installing a deadbolt instead of a simple doorknob lock will provide some additional resistance to anyone looking to break in. If you want to go one step further, you can add some hotel chains as well to help keep the door shut.

Want to Lower Your Insurance Costs?

If you’ve recently set up burglary precautions and want to see the impact on your insurance premiums, contact Spivey Insurance. Our knowledgeable agents can answer any questions that you may have, provide advice regarding burglary protection systems, and ensure that you have the right amount of coverage to protect yourself, your family, and your property.

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