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How You Can Save on Insurance by Making Home Upgrades

These safety upgrades can lower your home insurance rates.

While there are many ways to save on your homeowners insurance, one of the best ways to lower your rates is by making your property safer.  Here are some of the safety upgrades you should make on your property to unlock home insurance savings.

  • Upgrade Your Smoke Detectors

Smoke detectors are essential safety features that sound warning alarms when a fire is detected inside a home.  Because smoke detectors are required by law in many places throughout the country, simply having one nf your home will not necessarily unlock insurance savings.  However, if you go the extra mile, then your home insurance provider may take notice.  By installing smoke detectors on every floor and in every room of your home, you can increase the effectiveness of your home’s fire warning system.  Additionally, you can also score points with your insurance provider by connecting all your alarms, so they all go off when one detector is activated.

  • Install a Water Safety System

Water safety systems, also known as fire sprinklers, are a great option for homeowners who want to protect against their fire risks.  These systems respond to fires inside the home and quickly release water or other flame retardants to contain the damage caused by heat, smoke, and flames.  Having a water safety system can save your home for total ruin, especially if your local fire station is slow to respond or is located far away.  Oftentimes, home insurance providers will issue discounts to homeowners who install these safety systems.

  • Get Storm Shutters

Storm shutters are protective coverings installed over a home’s windows to protect them from being broken from high winds and flying debris during a storm.  If you live in a part of the country that suffers from extreme storms, hurricanes, or tornadoes, then you should install storm shutters over all of your exterior-facing windows.  Because this will lower your home’s chances of sustaining damage during a storm event, your home insurer may offer you a home safety discount.

These are some of the home safety upgrades that can help you save on your insurance.  Do you have additional questions about your homeowners insurance?  If so, then contact the experts at Scautub Agency in Scotia, New York.  Our dedicated team is eager to assist you with all your coverage needs today.

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