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Home Contractors

Cool Home Security Advice You Should Probably Know

Trying to navigate your way through the field of home security can seem like a rather difficult task when you don’t know your options. Taking into consideration those options and other facts you need to know, you can make a better decision. After all, it’s the safety of your family that is at stake.

Have sensors installed on all of your windows. This allows you to leave windows open when you are not home, as well as when you are sleeping, without having to worry about an intruder being able to sneak in. They are very inexpensive and can be found at your local department or hardware store.

A home security system works by alerting the local police when the alarm goes off. The police immediately place a telephone call to your home. If you do not answer your phone and provide a security code, an officer will be sent to your home with possible backup available should it be needed.

Keep your car in the garage. Keeping your car secured will prevent people from vandalizing it. If you keep your car in the garage instead of in the driveway, it is harder for thieves to know whether you are at home or not.

When it comes to making your home more secure, one obvious place to start is at your front door. If you do not currently have a high-quality lockset on your door, get one installed now. If your lockset does not include a deadbolt, they are inexpensive and a effective way to add security to your exterior doors.

Never leave a spare key outside your home. Many crooks know of the locations where people leave keys. A great place to put your spare key is on your dog’s collar. There are not many people who will come up to your dog to investigate if it has a key on its collar.

If you have valuables, and you need a place to store them, look no further than the walls of your home. In between the studs is a lot of empty space, and you can easily store jewelry or anything else you don’t want a burglar to have access to. Simply install a fake electrical outlet, and use it to take things in and out of the wall.

Lock up your home, even if you are around. Many people think that their neighborhood is the safest out there. They’ll leave their doors unlocked all day (and night long) without a second thought! This is inviting trouble. Make it a habit to lock those doors (and windows) even if you’re home. It’s probably the most important basic thing you can do for your family’s overall safety.

It can be especially helpful if you are an elderly person who remains living in your home to have a home security system installed. This will not only alert the authorities to any fires and intruders, but it gives you a direct link to help if needed, allowing you to keep your independence.

Pretend you are a burglar and go at your house. Can you find ways to get in without breaking a window or kicking down a door? How strong are your doors? What if the burglar did kick in a window? How can you, as a thief, be thwarted from even trying to burgle your home?

If your front door does not have a peephole already, install one immediately. A small peephole can let you see who is at your doorstop without giving them the view of the inside of your home. If your intruder uses the front door to get into your house, a peephole can give you a head start on calling the cops.

Get flashlights with good batteries, and have them in each room in case you lose power. This is important for you to be able to see should your power go out or you suffer an emergency. Teach everyone in your home to use the flashlights so all family members can see and help each other.

Home security is a very important topic. You want to make sure that you keep you and your family safe. Therefore, knowing what you know now should help you as you get your system up and going. Keep in mind that tips that have been discussed so that you can get started.…

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Home Contractors

Things You Should Be Aware Of When You Buy Home Owner’s Insurance

Home owner’s insurance isn’t a luxury, it’s a necessity. It may even be required if you have a mortgage on your home. In the case of a disaster, your home owner’s insurance might be the only thing that gets you back on your feet. Here are some tips that can help you in selecting a home owner’s insurance policy that suits your needs.

To keep your coverage up to date, be sure to review your homeowner’s policy every year. Let your insurer know of changes in your home and property that may help keep your premiums down. For instance, if you have replaced a shake roof with something more fireproof, like composite shingles, you may get a premium reduction.

If you want to insure your home against flooding, you’ll need a flood insurance policy. Flooding is not covered by most regular homeowner’s insurance policies. Protection against flooding covers damage from things like too much rain, creeks rising, landslides and more. If you think you need this additional coverage, speak to your agent, who will explain options and costs for your area.

Consider raising the deductible on your home insurance policy. A higher deductible on your insurance policy can significantly lower your annual home insurance premiums. Unfortunately, by raising the deductible, your home insurance company will no longer pay for small claims, such as broken window repair, leaky pipe repair and minor wind and flood damage repairs.

If your neighborhood has gone through any changes, you might have lower home insurance premium prices. Certain structures, such as a fire hydrant within a close proximity, will drop your expenses, in addition to your other savings. Look for new changes in your locality often, and let your insurer know about them.

Many people are surprised that when they pay off their mortgage, their home insurance rates drop. There is a dramatic drop in the cost of home insurance when you own your home outright. This is likely due to the fact that insurers think that if you own it, you are likely to take better care of it.

Improve your credit rating. You will see lower premiums on your homeowner’s insurance if your credit rating is good. Having a low credit score makes you a potential risk in the eyes of your homeowner’s insurance provider. Consequently, they will charge you more money for that low score of yours.

If you are moving, check your policy. Moving can be a stressful and busy time. Even so, make sure you take the time to stop and double check what your insurance covers. If you are moving a lot of valuable things, you might want make sure that they are covered during the moving process.

Install a sophisticated alarm system in your home, preferably one that is monitored by a reputable security company, or is linked directly to the local police station. Insurance companies reduce your yearly premium by up to 5% if you can prove by an invoice or contract that you have a centrally monitored security system installed.

Some insurance companies offer a discount for being claim free for a certain amount of time. Usually this time ranges anywhere from 3-5 years and can offer a discount up to 15% for being claim free. Consider this before filing a claim too. If it’s not that much of a claim, then don’t file it.

While your homeowners policy may protect you in the event of a fire, burglary, or natural disaster, such as an earthquake, it may not cover you for flooding, mold or other common disasters. Make sure you know what you are getting and what additional coverage you may need to purchase separately.

Take out your buildings insurance and contents insurance with the same home insurance provider. Insurance companies want as much business from you as possible, so if you take out buildings cover and contents cover with the same firm, you can usually negotiate a substantial discount off your annual insurance premiums.

As mentioned above, a home owner’s insurance policy is a necessary safety net in case of fire, theft, or other disasters. Having a good home owner’s insurance policy in place will benefit you in case the worst occurs. Having read the advice in this article, you should be better prepared when selecting a home owner’s insurance policy.…

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You Should Raise Your Deductible If You Want To Lower Your Insurance Rate

Some insurance companies like to hit you with those hidden charges that run your bills up, hundreds more per month, than they should be. Don’t fall into this homeowners’ insurance trap. Use the tips provided in this article to fight back and to find a great deal on a solid insurance package, for the house you live in.

Lower your homeowner’s insurance annual premiums by as much as five percent by maintaining a security system that is directly tied to your neighborhood police station. All that is required to qualify for this discount is to verify that you have central monitoring, which can be through a bill or insurance company contract.

An easy way to save on your insurance policy is to pay off your mortgage. Companies hope that those who own their home outright will take better care of it. If you pay off your mortgage debt, then your annual premiums will go down.

If you are building an addition to your home or considering a major renovation, check what effect this will have on your homeowner’s insurance rates. Wood-framed structures are considered to be a fire risk, for example, and will raise your insurance rates. Using cement, steel, or other fireproof materials will mean your addition costs less to insure.

Before installing a pool or buying a trampoline, be sure to check with your insurance company to see what effect this will have on your premiums. Some companies will charge as much as 10% more to insure a house with a pool, trampoline or other potentially hazardous equipment on the property.

As a homeowner, you must safeguard your house against numerous threats and risks. Fire is one factor. You need a good policy that insures fire in case your home is damaged by human error, wildfire, arson, cars, storms or even earthquakes. Review your insurance policy and talk with your agent to ensure you are getting the protection you need.

Even if someone is trespassing on your property, you are still liable if they happen to trip and fall while trying to climb your fence. It’s true, though. Our legal system actually allows someone who is trespassing on your property to sue you in court for damages. Never let it slip that you must get great home insurance coverage.

Add extra smoke alarms to your home to reduce your insurance premiums. Adding smoke alarms can reduce your yearly premiums by as much as 10 percent. Depending on your insurance company, you may even qualify for additional discounts for adding more smoke alarms than the minimum required to receive the discount. You not only save money, but you protect the lives of everyone in your family.

Crunch your budget and try to pay off your home mortgage as early as possible, in order to enjoy lower insurance premiums. When you own your home outright, insurance companies take the perspective that you will take better care of it now that you don’t owe on it. As a result, you can expect to see your premiums decrease.

Know your coverage limitations if you own equipment that insurers consider high-risk, such as swimming pools or backyard trampolines. Your insurer may not pay liability claims for accidents involving such equipment or you may be required to purchase extra insurance to cover any injuries or damages that occur because of them.

When it comes to homeowners insurance, make sure you update it if your life changes. If you go through a divorce, make sure the right people are on the policy. If you a built a playground or added something to your house, you will need to update that, too. Being current is what you need to be!

You may be able to save on home owner’s insurance premiums by bundling different insurances through one company. The discount that the insurance provide gives you can be as much as 5 percent. Check your company’s website, or make a phone call, to see what options are available to you.

It’s not hard at all to find the best possible deals on insurance. You only have to know where to look and how to look. These tips will help you on your quest to find a solid protection package for your home, that doesn’t cost a lot of money. Use this information to save big on your monthly premiums.…