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Homeowner insurance covers most events such as fires, tornadoes and hurricanes. Flood insurance is generally not included and must be purchased separately since floods are a more common occurrence. The cost of homeowners insurance is generally not taken into consideration by first time homeowners when buying their home, but a significant discount is generally given to homeowners with home security systems installed. The total discount given as a result of homes having security systems differs based upon the features of the system for instance, a system monitored by a central monitoring station should provide a larger discount compared to one that is not monitored and the amount of coverage purchased initially and the company offering the insurance. In general, homeowners receive a 10 20% discount on their insurance by having a functioning home alarm system installed. This type of system allows the home alarm to be remotely armed or disarmed, cameras to be monitored, household lights to be turned off and on, air conditioning or heating to be turned on or changed, and motion detectors to be monitored.

Posted by Anonymous at 3:19PM | (0 comments)

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99 upfront for the hardware and still get monitoring but avoid the activation fee. If you live in a small apartment and want to keep tabs on things when you're not home, a security camera can get the job done for a lot less money than what you'll pay for a full security system. Nearly all standalone security cameras connect to your home's Wi Fi so you can see what's going on from your phone or tablet, and most have built in sensors that detect motion and sound and will send push and email notifications when those sensors are triggered. You can usually tweak the camera's motion sensitivity to prevent false alarms due to pet activity or passing cars if the camera is near a window, and you can create a schedule that turns the sensors on and off during certain hours of the day. A smart lock is typically part of a robust smart home security setup, but you don't have to invest in a full blown system to use one. If you're using a home automation hub to control things like lighting and thermostats, you can add a Z Wave or Zigbee smart lock to the system without much effort.

Posted by Anonymous at 3:19PM | (4 comments)

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Those are a lot of red flags for what could be an amazing product. But you could also just use your existing smart home sensor system. The system could detect unauthorized entry and send the video feed through installed cameras, or you could schedule lights to turn on and off at evenings to simulate someone being at home. A more imaginative user could even play sounds, such as footsteps, TV or even dog barking when a proximity sensor gets triggered, thus discouraging a would be burglar. Although packing more features, these bundles usually come with subscription fees and there may be additional costs associated with installation, so make sure you take that into account when considering a purchase. Which one of these devices seems most interesting to you?Would you consider buying one?Let me know in the comments section below.

Posted by Anonymous at 3:19PM | (0 comments)