There are essentially ten factors that affect your insurance premium, some of which you can control and some of which you cannot. The third of the ten factors is something that you can control, and that is how safe your home is.
I know that with my homeowner’s insurance from Travelers, I was given a discount because I have an alarm system in place from ADT. While the fee for the ADT services is greater than the discount offered by my insurer, they did offer me a slight discount just for having it. The same applies for other security and safety measures such as integrated fire and smoke alarms, sprinklers, motion detectors, etc.
There are also some aspects that you can’t really control but they are important when you go and buy a house. Proximity to a fire hydrant and the fire department itself is of paramount importance to an insurance company.
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