Spring is a great time to open the windows, let the fresh air in, and give your home a deep clean. But it’s also the perfect season to give your home security setup a refresh. Not only can these small upgrades help you feel safer, but they may also qualify you for home insurance discounts.
Here’s how to secure your home this spring while potentially saving on your premiums.
1. Upgrade Your Locks
If you’re still relying on older locks, now’s the time to consider upgrading to deadbolts or smart locks. Smart locks offer remote access, allow you to monitor entry logs, and eliminate the risk of lost keys—all of which boost your home’s security profile.
Insurance Tip: Many insurers offer discounts for homes with high-security deadbolts or smart lock systems, as they reduce the likelihood of break-ins.
2. Install or Update Security Cameras
Video doorbells and outdoor security cameras are easier than ever to install and can deter potential intruders before they even step on your property. Many options now include night vision, motion detection, and mobile app integration.
Insurance Tip: Adding security cameras can sometimes qualify you for a lower insurance premium, especially if they’re connected to a monitored system.
3. Consider a Monitored Alarm System
A monitored home security system provides 24/7 oversight and alerts authorities when a break-in or emergency is detected. It’s one of the most effective deterrents against theft.
Insurance Tip: Monitored systems often come with the most significant insurance discounts, as they offer continuous protection and a quicker emergency response.
4. Light It Up
Spring is ideal for installing motion-activated exterior lighting, especially around entrances, garages, and backyards. Well-lit spaces make it harder for unwanted visitors to hide or go unnoticed.
Insurance Tip: While lighting alone won’t trigger discounts, it enhances the effectiveness of other systems like cameras and monitored alarms—making your home a lower-risk property.
5. Secure Windows and Sliding Doors
Check your windows and patio doors for older locks or signs of wear. Reinforce sliding doors with security bars or foot locks. Consider installing glass-break sensors in vulnerable areas.
Insurance Tip: These small upgrades may not always earn you a direct discount, but they improve your overall risk profile – something your broker can take into account.
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Ready to Review Your Policy?
Not all home upgrades will automatically lower your insurance premiums, but many can contribute to a more favourable policy. The key is to let your broker know when changes are made. They can help update your file, check for new discounts, and make sure you’re getting the most out of your coverage.
Let’s chat! Whether you’re upgrading your locks or considering a new security system, we can help you understand how these changes affect your insurance. Get in touch with our team today to learn more about your options.
