Do burglar alarms reduce home insurance premiums?
Sometimes. Many insurers ask whether a property has a burglar alarm and approved locks, and some offer discounts when they are fitted and used. Terms vary between insurers and policies, so check your policy wording or ask your insurer directly. What matters most is answering their questions accurately, because a wrongly declared alarm can cause problems with a claim.
What do insurers actually ask?
Insurers commonly ask whether the home has a burglar alarm, whether it is professionally installed and maintained, and what type of locks are fitted to the external doors. Some policies require the alarm to be set whenever the house is empty. The answers can affect the premium, the excess or the cover terms, and they differ from insurer to insurer.
No general figure can be given for what an alarm saves, because every insurer prices differently. The reliable route is to ask your own insurer what they recognise and what evidence they want.
Does professional installation make a difference?
It can. A professionally installed and serviced alarm is easier to declare with confidence, because you can show who fitted it, when it was last serviced and that it was working. Keeping the installation paperwork and servicing records means you can answer an insurer's questions, or support a claim, with documents rather than memory.
Locks & Alarms Ltd installs and services alarms with its own employed, DBS-checked engineers, and offers aftercare and maintenance packages, which keep servicing records current.
How do I find out what my policy needs?
Read the security section of your policy wording, or call your insurer and ask three things: whether an alarm affects your premium, what type of alarm they recognise, and what locks they require on external doors. Get the answers in writing where you can. Then make sure what is fitted matches what you have declared.
A free quote visit from Locks & Alarms Ltd documents what is fitted at your property now, which gives you an accurate starting point for that conversation. Call 01322 436084 to book one.
Related service: Intruder Alarms