Alarm system may be a good option for added home security because they provide theft deterrence options as well as peace of mind for the homeowners. There are many types of alarm systems available and it is important for you to purchase a system tailored to your needs and budget. Important cost considerations are whether your alarm system will be wired or wireless, monitored or unmonitored or if you wish to install the system yourself or have a professional alarm professional install your system.
Alarm system choices Monitored or Unmonitored?
Monitored systems are those where a private company monitors your system remotely every day, they will alert the police or fire department if something goes wrong and you cannot be contacted. Unmonitored alarm systems have sirens and flashing lights that act as a deterrent if your home is broken into, the thief will assume that a neighbor will investigate or call the police if you are not home. The best security comes from monitored systems, because you will always have the alarm company monitoring. This option is also the more expensive of the two options because it will come with a service contract for the monitoring service. These system’s sensors are triggered in some way, such as a door opening or a motion detector being activated. The alarm system will usually wait 30 to 45 seconds to give the owner a chance to turn the system off to prevent false alarms. Some cities will charge the homeowner for false alarms if they have to send the police out on false alarms.
If these systems are not deactivated by the homeowner, it will send a message to the monitoring company over telephone lines or by a wireless device. Once the monitoring company gets the message they will try and verify if there is an emergency by contacting the homeowner at home or on the homeowner’s mobile phone. If a proper code is given the company calls the police.
Michigan Homeowners Insurance discounts available with your alarm system
Many companies offer discounts for installing smoke detectors, fire extinguishers, central burglar and fire alarms and deadbolt locks on the doors. These alarm discounts can range from 5%-25% depending on the Michigan homeowners insurance company. Usually the alarm system discount will be a lot less if the alarm system is not monitored. For more discounts available on your Michigan homeowner insurance click on the highlighted link to see how you can save additional money.