Home protection alarms, especially fire alarms, are important for the safety and security of your home. The risk of fire damage cannot be neglected in any home, no matter what other types of fire protection you're using.
A house fire can arise at any time from various unforeseen causes, such as a kitchen accident or your electrical wiring. Even a mild house fire can cause severe damages that can hit your pocket very hard in terms of repair or replacement costs.
Fire alarms help protect your home against fire damage. A fire alarm alerts you immediately in case of even the mildest house fire, so you can take safety measures or call the fire dept. to prevent serious losses. Moreover, fire alarms are also important for your home insurance coverage.
You might be thinking, how can fire alarms possibly be related to home insurance?
Installing fire alarms (or any other house security alarms), helps you get discounts from your insurer on your home insurance premiums. In this article, we'll discuss the importance of fire alarms for home insurance.
• Lower Home Insurance rates
Without fire or smoke alarms installed, your home might be at higher risk of fire damage that subsequently increases your chance of filing a claim. In that case, insurance companies will charge more from you in terms of home insurance premiums to mitigate the higher risk of loss. On the other hand, if you have installed fire or smoke alarms in your home, the risk of fire damage will be lower, and you’ll be charged less in terms of your monthly or yearly premiums.
Thus, installing fire or smoke alarms not only protects your house from fire damage but also keeps your home insurance rates lower. Some insurance companies offer fire alarm discounts even in the percentage of the total premiums (5-10%). Fire alarms decrease the risk of fire damage in your home, and your insurance company rewards you for this with reduced home insurance rates.
• Easy Claim Approval
Homeowners with fire or smoke alarms installed in their homes can expect easy claim approval. Insurance companies take less time to declare their claims as genuine because they've taken all safety measures in the form of fire alarms to prevent fire damage. Having a proper smoker alarm and fire detection system installed in your home puts you in the good books of your insurer and rewards you with fast and easy claim processing.
Fire alarms should be installed in almost every major part of your home where you feel even a little risk of a house fire. These areas can include kitchens, main hallways, bedrooms, and, most importantly, the basement.
While choosing an alarm system, make sure it's loud enough so you can hear it from any corner of your home. If you have any hearing problems, choose a fire alarm with special features for the hearing impaired. Don’t forget to ensure the routine testing of your fire alarms.
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