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"One 2014 CBS news report cites a figure of 2/3 of all home fire fatalities occurring in residences where the smoke detectors are missing or disabled which is something many of us have resorted to at one time or other out of sheer frustration when our typical ‘dumb' detector insists on shrieking an alarm every time we try to fry up some bacon.
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The total discount given as a result of homes having security systems differs based upon the
features of the system for instance, a system monitored by a central monitoring station should provide a larger discount compared to one that is not monitored and the amount of coverage purchased initially and the company offering the insurance. In general, homeowners receive a 10 20% discount on their insurance by having a functioning home alarm system installed. This type of system allows the home alarm to be remotely armed or disarmed, cameras to be monitored, household lights to be turned off and on, air conditioning or heating to be turned on or changed, and motion detectors to be monitored. All of these functions not only allow homeowners to watch for intruders, but they also help to protect the home remotely. Turning on lights at a specified time through remote access can help to give the illusion that someone is at home even when they are not. Accessing the heating or air conditioning can help to prepare the home for sudden temperature changes to prevent pipe damage and can also help to save on electric or gas bills. In most cases remote access comes with a small fee, but it offers homeowners the opportunity to take charge of their home even when they are out of town. Medical conditions are a real concern for many homeowners and many home alarm companies offer medical alert pendants or emergency pulls. These types of devices are designed so that individuals can press a button or pull a cord and immediately have emergency services dispatched to their home. Most commonly these types of services are requested by children of elderly parents, family members of sick individuals and those living with loved ones who have special needs. One of the biggest concerns for family members of the elderly is the
potential of falling; fortunately, with a medical alert feature, if an elderly person falls at home when they are alone, they can signal the authorities for help immediately.
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96 at Pros: Affordable hardware, reasonable monthly monitoring fees.
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