Insurers often require that you have certain security measures in place to protect your home and its contents.
When you insure the contents of your home, tell your insurer exactly which security devices are in use at all times. If you have stipulated that you have a burglar alarm and an electric fence, be sure they are in use at all times. If you slip up, it may be a very costly mistake. (You may be surprised to know that millions of people make this most basic of mistakes.)
Be sure to maintain your security. Are you burglar bars secure, not rusting or broken? Is your alarm malfunctioning? When last did you have your panic buttons and alarms tested?
If you have upgraded your security since taking out your household insurance policy, let your insurer know. Improved security means a lower risk and a lower premium.
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