Thursday, April 5, 2018

Renter Insurance Discount with Home Security

Do insurance companies provide discounts if I have a home security system?

Thankfully, most insurance companies provide discounts to policyholders for many things. For example, if you have a Nest Protect smoke alarm and you choose the right provider you can get a discount. Insurance companies are familiar with the details when you ask for discounts. You will need to be prepared before you have that "I have a home security system, can I get a discount?", conversation.

Just a simple google search:

home security renters insurance discount

As you can see the information is out there.

Consider your insurance discount when deciding about what type of security system to install. It matters if you get a professionally monitored system or go the DIY route. Most insurance companies may not provide a discount for a security system that is not monitored 24x7x365.

Searching for a security system that can help you get the most insurance discounts? Start with Think about the discount you will get when you tell your insurance company that you have a professionally monitored smart home security system with HD cameras and a cellular backup communication path.

You may be asking yourself, why do I even need renters insurance. Or perhaps someone has convinced you that the probability of filing a claim is so low, that you should increase your deductible so your payments go down.... Think about this. In case of fire, theft, or damage, you need your own renter's insurance policy.

More data...

[ Budget Smart Security]

[FBI:2017 Crime Reports]

[CEPro:Average Insurance Discount for Home Security is 20 percent]

[StateFarm:Renters Discount]

[AllState:Renters Discount]

Wednesday, November 9, 2016

Secure your Vacant Rental

Securing a vacant property is much different than securing your home or office. There may be furniture staged in the property or the property might be empty. An empty property is a target for squatters and thieves. The last thing you expect when showing a property to a potential renter is a mess that resembles a makeshift bed, trash or worse... someone in the house. There are many reasons why someone would want to break into a vacant rental property.
  1. A place to sleep/squat
  2. Steal staged items
  3. Steal copper pipes or wires
  4. Vandalize
  5. Consume utilities (water, power, gas, Internet)
Leave a comment if you can you think of other reasons why someone might want to break into a vacant rental property? Or post your story to help create awareness.

For most properties, the services and utilities will be off. Since power, telephone and the Internet may not be practical things to depend on, go a traditional route. There are a few very easy security measures that can be used to improve security for a vacant property.

Learn the neighborhood and get to know your neighbors

As a property manager or landlord, it is important to get to know neighbors near your vacant property. Exchange contact information and check if one of them can park their car in one of the vacant spots. If able, attend a neighborhood watch meeting to keep an open line of communication. Some communities may discourage going to a neighborhood watch meeting, but more communication is always better than less. Be courteous to the neighbors. Watch where you park, how fast you drive on the surface streets and be careful to prevent the landscaper from starting too early.

Basically, be a good neighbor.

Install strategically placed motion lights and timer lights


Secure the garage door

Standard locks on garage doors are easily forced open with a lever or crowbar, allowing a burglar access without detection. Cane bolts and hasps are excellent protection. Make certain each side of the garage door is secured to prevent prying open a crawl space. Using 3 or 4 inch C style clamps on the garage door track will also help. We recommend calling an overhead door company to evaluate the security of the garage door in question.

Unplug the automatic opener. This does not prevent fishing with a hook, or forcing one side open and crawling in.

If the garage door has a window, cover with sheer drapes or translucent window film. A window on a garage door could provide a visual for the thief to push in the top/center of the garage door and send a hook (wire hanger). This type of hook will open the latch that disconnects the door from the motor and a window will make fishing for that hook an easy task. This is a very common technique, lock the garage on the track and use an alternative entry to access. If no entry be sure to do what you can.

Randomize property visits

Do not create an expected or repeatable schedule. Don't just show up only on Saturday afternoons. Ensure you create a random visit schedule. If possible, drive by more than once per day.

Keep up the regular maintenance (hold all mail, mow grass, etc.)

It is important to maintain the property as if someone is currently residing. Lights at night help.

Cover windows

Install sheer drapes inside the house and cover any garage windows.

Install a solid object in window tracks

We recommend the Master Lock 265DCCSEN Dual-Function Security Bar, it works to secure standard doors as well. A 2x4 will work as well or a piece of PVC custom cut for each window. PVC will not work for a standard door.

Purchase security surveillance signs and "Beware of Dog" signs.

Video Surveillance Sign - CCTV Security Alert - 24 Hour Surveillance All Activities Are Monitored Sign - Legend" Large 12 X 12 Octagon Rust Free 0.40 Aluminum Sign

Beware Of Dog Sign 9 x 12 Inch - 4 Pack

Video Surveillance

Video surveillance is not 100%. Make sure there is adequate lighting to ensure the night vision is working properly. Sometimes you might need to position the camera or the light in such a way that the brightness is moved away from the camera line of sight. There are many cameras on the market today. An Internet connected camera will likely have motion detection with notifications. A camera with a DVR should not require Internet access. Not all cameras have night vision and not all cameras are outdoor cameras. 

If you have Internet? You are in luck. You can purchase a security system that will allow for secure access via HTTPS (encrypted). Images and videos would be stored in the cloud for easy access. Internet access will also provide SMS, TXT or Email messages for notifications. Check for one of the most comprehensive, professionally monitored systems on the market. 

While these security measures help reduce the probability of a vacant property break-in, experts agree that there is no full proof method to prevent burglaries. Sometimes a thief will try what is called smash-and-grab. They try to break-in and smash the security system then grab your stuff. Usually, that does not work very well in their favor as most systems today have safeguards against such a break-in. Get a siren with whatever solution you go with. Once a thief breaks in, they don't hang around if there is a loud siren going off.

Keep track of all items on the premises. If the unfortunate situation occurs, you may need to file a police report, file a claim on insurance and provide a list of items vandalized or stolen. Serial numbers and owner manuals should be stored together and in a safe place.

Snap and save many pictures. Both interior and exterior. You may need pics for insurance or authorities if something bad happens.