Central Station vs Local Alarm – What are the Differences?
With the increase in home invasions there is a growing awareness of the need for home security monitoring systems. Having a security system in place will not only give you peace of mind, but it can help lower the cost of your homeowners insurance, renters insurance, or condominium insurance. You can receive between a 5% and 10% home insurance credit depending on the type of protection device you have. But even if you cannot afford a central station security system, having deadbolt locks, fire extinguishers and smoke detectors will reduce your home insurance premium.
Listed below are a few different types of monitoring systems that are available:
- Internet Home Security Camera Systems will allow you to monitor your home from any computer connected to the internet.
- A “local alarm” (burglary, smoke) when activated sets off a bell, siren/and or a strobe light outside your home. Authorities are not notified unless someone hears the alarm and calls the police.
- A “central station alarm” is monitored by an alarm company 24/7; they then notify your policy department if it is activated.
You should have a local alarm in your home regardless of the insurance benefits. In case a fire occurs at night or there’s a carbon monoxide leak in your home, local alarms will help keep you safe. The immediate notification of danger is something that you cannot afford to pass up. Central alarm systems are great if you travel often or spend a lot of time outside of your home. Because vacant homes are targeted by burglars, having an alarm company keep watch over your house can give you peace of mind.
Having a home security system of any kind is a good idea. It will deter potential break-ins and it will keep you and your family safe in case of emergencies. Accidents and mishaps happen without warning. Having an alarm to alert you of dangers is a priceless utility. Also remember to change the batteries of your alarm systems every few months. If your alarm doesn’t work, then there is no point in having one.
Fire alarms are one of the most useful alarm systems to have. Fires can happen anywhere to anyone. Check out our Fire Prevention Tips blog post and learn how to take precautionary steps to prevent a fire.
Visit us online or give us a quick call to request a free homeowner’s quote. Homeowner’s policies include a discount for protection devices, such as deadbolt locks, smoke detectors, fire extinguishers and alarms. The amount of the discount depends on what devices you have. Speaking to an insurance agent is the best way to know what discounts you can qualify for.