Keeping up on the latest tips and trends in home security can help you keep your family safer. Your home should be your retreat, the place where you go to get away from the world’s dangers and discomforts. Investing some time and money into protecting your home pays off big dividends in peace of mind and family safety. When it comes to family safety, Houston home security resources are available.
By Texas law, your home insurance company will discount your home insurance premiums by 5 to 20% if you make certain home security provisions on your property. In order to qualify for this mandatory home security discount, your home must be inspected by a state-certified inspector for home security. Houston police departments often have one or more officers who have attended the training sessions and become certified. You can call your local police department to find out how to schedule a Houston home security inspection through them.
Houston Home Security Inspection
The home security inspection generally consists of two visits by a police officer who is certified by the Texas Department of Insurance. These officers receive special training on home security systems and measures that Houston homeowners can take to help safeguard their property and their families. The officer will inspect the physical locks on your windows, doors and garage areas and look for specific things around your home.
How to Qualify for Insurance Reductions
According to the Texas code, your home will qualify for a 5 percent discount on your premium if it meets the following requirements:
Any exterior door must be a solid core door at least 1 3/8 inches thick. They must be secured by a deadbolt lock that locks with a minimum throw of one inch and penetrates a metal strike plate that is secured firmly to the door frame. If there is breakable glass within 40 inches of the lock, it must be a double-keyed deadbolt unless it is prohibited by the safety code.
Metal doors must also be locked by deadbolt locks that meet the same specifications. If you have double doors, they must also meet the same specifications. In addition, the inactive door must be secured by header and threshold bolts that seat into metal strike plates. If there is glass within 40 inches of the header and threshold locks, they must be flush-mounted.
Any sliding glass doors must be secured by a secondary locking device. Garage doors must be equipped with key-operated locks. Windows must be secured by auxiliary locking devices – in other words, the slide-catch locks on most windows are not enough. Those devices can include screws, wooden dowels and other methods that prevent windows from being opened far enough for entry.
Your property can qualify for a 15 percent discount if it is equipped with an electronic burglar alarm that meets certain specifications. Those specifications include contacting all exterior windows and doors, an interior and exterior siren, and alarm system monitoring by a U.L. approved central station. In addition, the installation, service and monitoring of your Houston home alarm system must be done in compliance with specific statutes of the Texas code, and the alarm company must be licensed by the Texas Board of Private Investigators and Private Security Agencies.
Installing a qualifying home security system is a win-win situation. Your family will be better protected, and you’ll save money on your home insurance premiums. How can you lose with a deal like that?
