The Benjamin Franklin proverb "an ounce of prevention is worth a pound of cure" is as true today as it was when Franklin made the statement. This truism can be applied to many aspects of life, including insurance! How, you might ask? Prevention and insurance go hand in hand. Because insurance is the transfer of risk from one entity to another, which prevents the loss is beneficial for both parties.
In addition to the obvious benefits, such as protecting your home and family, did you know preventive measures are an excellent way to earn discounts on your insurance housing? Since the insurance company is the one that assumes the risk, it is perfectly logical for them to provide rebates to consumers who are trying to prevent losses by installing protective devices.
Some types of protective devices as well as loss prevention tips to help you protect your most valuable assets, and also save money on your home insurance:
Install smoke alarms . It is an inexpensive way to protect yourself and your family. A smoke alarm doubles your chances of surviving a fire. Test it monthly, keep it free of dust and replace the batteries at least once a year. Smoke alarms should be replaced after ten years of service.
Install a burglar basic alarm , which is usually connected to a central control panel in the house that goes off when windows or doors are opened while the system is armed. According to the report of the alarm system, more than two million home burglaries are reported in the United States each year and, on average, a burglary of a house in the US occurs every 13 seconds. Statistics paint an interesting picture of how home security systems and alarm monitoring can influence crime rates and home invasions. For example, FBI statistics on burglary rates outbreaks show that houses 1-3 without a security system will be the victim of a burglary in relation to houses 1 to 250 that have a security system.
For even more protection, install a Central Station fire and burglar alarm system . A monitored central alarm system means a business that provides services to monitor burglar, fire and residential alarm systems. central stations using the personal phone lines, computers, software and special trained to monitor their customers' security systems and call the authorities if an alarm signal is received.
Although historically used in large commercial buildings, sprinkler systems for houses and small buildings are now available at cost effective prices. If your home is to have a full sprinkler system or even partially installed, be sure to let your insurance agent know. You will receive a discount!
Many systems in your home run off of electricity and when you lose power, these systems stop working, including your sump pump. There are several water loss prevention devices back-up that can help stop water back up into your home when you have lost power.
- A house any permanent generator rotates automatically when the power is off, feeds the whole house, and is permanently installed. Not only this type of generator could prevent a situation of back-up water, but could also supply other value systems and pieces of your house to avoid property loss as your refrigerator and freezer.
- Circuit Essential emergency generator automatically when the power is off; However, it provides energy to a selected portion of the house during a power outage. To be used to prevent backup of water, the generator must be connected to the sump pump.
- Non-electrical back-up sump pump is an emergency sump pump water pressure. It is based on the pressure of water supplied by a municipal water system.
- systems / sensors for water leaks have moisture sensors in appliances such as water heaters, washing machines, dishwashers, water softeners, and sinks, and in areas such as basements and crawl spaces. These systems provide a signal to the resident of the house. This signal is also sent to a clearinghouse, a plumber or water cutoff valve on the outside of the house.
This is fine if you currently have one of these devices to prevent the loss of your home. Check with your insurance agent to make sure you get all the discounts you possibly can on your home insurance.
If you do not currently have one of these installed loss prevention devices, remember "an ounce of prevention is worth a pound of cure. "The best intentions do not prevent losses. Even just installing something as simple and inexpensive as a smoke detector can save lives, your home, your property and your money.
Information obtained from http://www.safewise.com/
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