AA offers home insurance advice

If you don't currently have a home alarm installed, you might be missing out on some easily added protection, and you could also be saving money on your insurance premiums.
Bridlington site

If you don’t currently have a home alarm installed, you might be missing out on some easily added protection, and you could also be saving money on your insurance premiums.

Homes with no security measures in place are five times more likely to be burgled than those with simple security measures. The correct door locks together with a burglar alarm can increase your home’s protection against intruders.

The AA highlights that getting a certified professional to install your device not only gives your home the protection it deserves, but can also help validate any insurance claims you make in the future.

On the other hand, an incorrectly installed burglar alarm system, or one that wasn’t switched on could affect your standing with your insurer. Your cover could be ruled null and void in such a case, or lower the amount paid out if you were burgled. Your insurer might argue that not using the alarm means you haven’t stuck to the terms of your policy.

Depending on the level of security you want, will depend on the type of alarm you buy to protect your home. The three types of alarms are:

Police monitored alarms:

These alarms work by telling the police when your alarm is set off. Your home security company needs to be registered with them and will make the call out for you in the event of a burglary.

To prevent false alarms and household pets tripping the alarm, this type of alarm will have at least two (sometimes more) indicators that will need to be triggered before the alarm company or receiving centre takes action.

This is in place to prevent your security contract from being cancelled. If your house has 3 false alarms in a 12 month period, your contract could be ended.

Keyholder monitoring:

It’s a bit like giving a set of keys to a trusted friend in the event of an emergency. In this case, instead of giving them to a friend, they go to an Alarm Receiving Centre (ARC). This is a separate organisation that works together with your alarm company. They will get notifications if there is an intruder at your home.

They’ll either come out to your property themselves, contact emergency services or get in touch with your designated keyholders, such as a neighbour or relative, who can then check on your property.

Speech dialler alarm:

This system is connected to your alarm and will call or text your list of contacts when your alarm is set off. A speech dialler (or text alert) also has the ability to leave automated voice messages so you can pick up your message if you’re in a meeting and have left your phone at your desk.

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