4 Home Safety Additions That Can Lower Your Insurance

Home Additions to Lower Your Insurance Rate in San Diego, CA

Most home insurance agencies base at least part of your costs on how well your home is protected against disasters, theft, and other situations. If you want to make your home safer while saving money on homeowner’s insurance, the insurance experts at American Tri-Star in San Diego have put together a list of 4 safety additions that might be worth looking into.

1. Fire Sprinkler System

Fire is the greatest cause of property loss in the United States. According to the National Fire Protection Association, about $6.7 billion in residential property loss is attributed to fires every year. A home fire sprinkler system can not only reduce property loss by putting out most fires with a single sprinkler, it can also give you time to get out of your home safely.

2. New Electrical Wiring

Old wiring and electrical problems cause almost 68,000 home fires and nearly 500 deaths every year in the United States. If your home has outdated wiring and you are planning to have it replaced, you may qualify for a new wiring discount on your homeowner’s insurance.

3. Home Security System

A home alarm system can give you early warning of intruders in your home and send a signal to the local police department. In the United States, a burglary occurs once every 14.6 seconds, and burglaries result in an average loss of nearly $4,000 per insurance claim. A security system can help you protect your home and save a bundle on your San Diego home insurance premium.

4. Storm Shutters

Storm shutters are a cost-effective way to protect your home from high winds that can shatter windows. There are several styles of storm shutters, but the most basic ones are made of aluminum or steel and attach to the walls surrounding the doors and windows. These shutters are made with corrugated panels that overlap for additional strength. Covering all openings in the home, including doors and skylights, can net you the biggest discount and protect your home and family during severe weather.

For more information on home insurance and safety additions that can save you money, get in touch with Tri-Star Insurance. In addition to affordable home insurance, we also offer auto, commercial, bond, and health insurance in San Diego. Give us a call today at 619-272-2100. One of our knowledgeable agents would be happy to discuss potential discounts and provide a free quote.