Nixon & Lindstrom Blog

A lot of the things you can do to save on your Missouri homeowners insurance premiums are the same things that will make your home a much safer place to live in.  A fire alarm system is a classic example. It can save lives and limit property damage, which means that it could also earn a discount on your home insurance.

There are several types of fire alarms you can install in your home, such as a central station alarm, local fire alarm, fire department reporting alarm, and sprinkler system alarms. Choosing what alarm to install will of course depend largely on your budget. Usually the more sophisticated alarms are more expensive, but they are likely to attract the biggest insurance discounts.

From an insurance company point of view, alarm systems that are most likely to reduce losses are the ones that will make Missouri homeowners insurance policyholders most eligible for a discount. Automatic sprinkler systems are highly regarded because they can greatly reduce property damage. Alarm systems that connect directly to a fire department can also be very effective as they can drastically cut response times. A good fire alarm should not require regular monitoring, but it does pay to routinely check that it is in good order.

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