Protective Devices | How to Make Your Home Safe and Save!
Protective Device Discounts
Every company will have different types of protective devices discounts they offer. Sometimes they use proprietary language. There are a few that are universal between all companies. Protective device discounts will be offered by every home insurance company. Depending on the company these discounts are weighted differently. I will sort them out by tiers.
1st Tier: Protective Devices
This is a manual lock. It is activated by turning a knob or key.
Usually it is required to have a working smoke detector on every floor. This would include any finished basements or attics.
Must be stored in the residence and does not matter what size it is.
2nd Tier: Protective Devices
Local Burglar Alarm
A local burglar alarm system connects to all exterior windows and doors. When activated, it sounds an audible alarm in the home.
Local Fire Alarm
A local fire alarm system sounds only at the premises. Heat and smoke sensors must be located in all rooms of the home, whether finished or unfinished.
If your windows, doors, skylights and vents are protected from high velocity wind gusts up to 120 mph you could be eligible for a discount.
3rd Tier: Protective Devices
Central Burglar Alarm
A central burglar alarm system connects to all exterior windows and doors and, when activated, reports to a police or alarm/security company.
Central Fire Alarm
A central fire alarm system is connected to a facility off premises and monitored 24 hours a day.
Partial or Complete Home Sprinkler System
A partial home sprinkler system has automatic sprinklers in at least the kitchen, living and family/recreation rooms, all bedrooms and bathrooms, and any den or library room. A complete home sprinkler system is defined as automatic sprinklers in all rooms of the home, including bathrooms, attics, and attached structures.
It is very common for insurance companies to include the 1st tier by default. The 2nd and 3rd tier will usually require proof for the discount to be applied. This can be a copy of an invoice from a central monitoring company.