Is It Important to Have a Home Security Cameras for Insurance Purposes?  

Home security cameras have become more prevalent in recent years—and for good reason. They can offer homeowners peace of mind by allowing them to monitor their property remotely, and they can play a vital role in insurance coverage.

Benefits of Home Security Cameras

Security camera systems can benefit homeowners in the following ways:

• Deterrence and prevention—One of the primary benefits of security cameras is their ability to deter intruders.
  Should an intruder break in, steal a vehicle or swipe a package, security camera users may have evidence of the incident.
  This can save both time and money in the long run. Users can easily compile the video footage of the event for insurance purposes or as evidence for a criminal investigation.
• Package theft prevention—Stolen packages are a common problem for homeowners. Many businesses will redeliver an item if it’s been stolen, but some won’t unless sufficient evidence of the theft is provided. Having a security camera fitted directly over the porch can deter parcel theft and catch it in the act if it does happen.
  Not only does this prevent financial losses, but it also saves you the inconvenience of dealing with missing packages.
• Lower insurance premiums—Insurance companies view security cameras as a deterrent to theft and vandalism, which reduces the likelihood of a claim. As a result, insurers may offer discounts on homeowners’ insurance premiums for having security systems installed.

Types of Security Measures That Can Lower Home Insurance Premiums

The following are some home safety features that can potentially lower your homeowners’ insurance rates:

• Deadbolts—Installing deadbolts on exterior doors can improve security and may qualify you for a discount.
• Standalone burglar alarms—These alarms can alert you and scare off intruders, leading to potential insurance savings.
• Smart home devices—Smart locks, motion sensors and other connected devices contribute to overall home security.
• Fully monitored security systems—A professionally monitored security alarm system offers added protection and may result in a more significant discount.

Home Insurance in Bossier City, LA

Investing in a home security camera system not only protects your property and loved ones but also positively impacts your insurance coverage. Contact Affordable Insurance Providers to discuss ways to save on your homeowners insurance premium.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.