Home Safety Upgrades That Lower Insurance Rates

Unlock home insurance discounts by making these upgrades to your property.

No one wants to pay more for their homeowners insurance than they have to. Fortunately, there are several ways that you can save on your coverage. For instance, you can unlock home insurance discounts by making safety upgrades to your property. Here are some of the money-saving upgrades that you should consider.
Upgrade Your Smoke Detectors
Over 90% of homes across the U.S. already have smoke detectors installed because they are an essential safety feature that warns occupants that a fire has broken out. Because smoke detectors are required by law in many places throughout the country, simply having one in your home will not necessarily unlock insurance savings. However, if you go the extra mile, then your home insurance provider may take notice. For instance, by installing smoke detectors on every floor and in every room of your home, you can increase the effectiveness of your home’s fire warning system. Additionally, you can score points with your insurance provider by connecting all your alarms, so they all go off when one detector is activated.
Install a Water Safety System
Water safety systems, also known as fire sprinklers, are a great option for homeowners who want to protect against their fire risks. These systems respond to fires inside the home and quickly release water or other flame retardants to contain the damage caused by heat, smoke, and flames. Having a water safety system can save your home for total ruin, especially if your local fire station is slow to respond or is located far away. Oftentimes, home insurance providers will issue discounts to homeowners who install these safety systems.
Secure Your Home with Deadbolts
Having deadbolts installed on all your home’s points of entry is a great way to slow down even the savviest of home invaders. This is why many home insurers offer discounts to homeowners who install deadbolts. However, the types of deadbolts that you choose does matter. When selecting deadbolts for your home, look for options that are labeled Grade 1 or Grade 2. Avoid Grade 3 deadbolts as they are the weakest. When installing deadbolts, make sure they extend at least an inch into the door jam and have a reinforced strike plate with three-inch-long screws. These factors will make it much harder for an intruder to kick in your doors and ransack your home.
These are some of the security upgrades that you should make to unlock home insurance discounts. Do you have additional questions about your homeowners insurance? If so, then contact the experts at Knight Insurance Agency. We are ready to assist you with all your coverage needs today.

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