alarme assurance habitation

Can an alarm lower your home security?

Although it is not mandatory for owners, it is highly recommended to protect your home with home insurance. Only, we are forced to note that the cost of insurance has been following an increasing curve for several years. In a context where inflation is reaching record levels in France, many of you are looking for different ways to save money on your current expenses. You may be able to kill two birds with one stone by installing an alarm system in your home. In fact, this could potentially allow you to lower your home insurance. Let’s see this in more detail.

exposure to danger

Insurance contracts have different levels of requirements, depending on the insurance company and your situation. Sometimes installing an alarm Mandatory to take advantage of home insurance, especially if your home is considered to be at risk. This is generally the case for detached homes, second homes, and dwellings with valuables.

Depending on your burglary risk, the insurance company may require the installation of a security system that meets certain conditions. To learn more about the different levels of alarms, consult the websites that offer you a free security quote.

Home Insurance and Alarm

The cost of home insurance is always personal. In fact, the insurance company will determine its amount according to several criteria, such as the geographical area, the value of your house, the date of construction and location of the property, discounts, your condition, as well as your home security. This is the last point that is of particular interest to us. In fact, it requires an assessment of the level of risk, and therefore the cost of insuring your home.

Logically, having an alarm in your home reduces the risks of break-ins and burglaries. Insurance companies take this parameter into account and generally apply a Reduce contributions from 10 to 15%. Depending on the level of protection provided by the alarm system, Deductible in case of burglary It can be completely removed. Note, however, that insurance companies do not provide reimbursement for alarm installation. On the other hand, based on partnerships between insurance companies and security companies, you can benefit from Installation fee waiver, or even reduce the price of equipment. Thus you can improve the security of your home at a reasonable price, while reducing your insurance costs.

If installing the alarm is not mandatory, remember to send a copy of your bill to the insurance company.

Trip Guarantee

Theft guarantee is not necessarily included in a home insurance contract. Their content varies from contract to contract, including different levels of requirements. Depending on your situation, the insurance company may require you to install a specific security system if you wish to take advantage of the theft guarantee.

We differentiate between the following two systems :

  • Classic alarms. They basically have a deterrent role, sounding a siren when an intruder tries to enter your home. They are fairly basic and offer a fairly modest level of protection.
  • remote monitoring systems. The alert is connected to your phone, to alert you in the event of an intrusion. Generally, it is connected to a remote monitoring center, which can engage the police in the event of a confirmed intrusion.

CCTV systems will likely give you a discount on your home insurance policy.

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