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Sloan Insurance Agency

33 2nd St
Elmer, NJ 08318

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How Does Adding a Security System Affect Your Home Insurance?

Across the United States, a burglary occurs about once every 30 seconds, and there’s no telling when your Elmer, NJ home might be next on a burglar’s list. However, you’re three times less likely to experience a burglary if you equip your home with a security system.

But how might installing such a system affect your home insurance policy? At Sloan Insurance Agency, we can help you make the best possible coverage decisions for your home. In the meantime, here’s a closer look at the relationship between home insurance and home security systems.

What Happens to Your Insurance When You Install a Security System?

Some homeowners assume that installing a security system might raise their insurance rates, as they’re technically improving their homes by doing so. However, the opposite is usually true.

Remember, a home with a security system is up to three times less likely to wind up burgled. And since many security systems mean the house will be professionally monitored moving forward, and there’s also a lower likelihood of that home sustaining other types of damage.

All of this means the homeowner is significantly less likely to file a claim, which typically adds up to savings. Those savings could be significant depending on your policy and your choice of security systems.

What Counts as a Security System?

While any security measure may help you with home insurance, it should make sense that the more robust the system, the better the benefits. For example, installing deadbolts or intelligent locks on your doors can help, but not as much as a full-service security system.

The best benefits come from systems involving diligent professional monitoring, motion sensors, and similar features. But it’s generally still a good idea to speak with an experienced insurance agent before definitively deciding on a particular option for your Elmer, NJ home.

At Sloan Insurance Agency, we’re happy to help you make wise decisions about your existing and future homeowner’s insurance. Contact us today, and let us know how we can assist!