Save on insurance with a CCTV camera

Insurers are not very fond of risk and it is well known. This is one of the reasons why equipping your home with video CCTV makes it possible to lower the amount of your home insurance since a house equipped with cameras is less exposed to the risk of burglary or vandalism. Explanations.

Why CCTV is an effective way to protect yourself?

Faced with the risks of burglary, vandalism or other types of disasters, video Serious Security CCTV  cameras occupy various functions:

deter: a house protected by a video CCTV camera system will be less likely to experience a burglary type of disaster because the risk for burglars to be found and punished for the act committed will be much higher. They are therefore dissuaded from taking action.

alarm: the risk for burglars is also to be caught on the spot. Indeed, coupled with an alarm system, video CCTV is even more effective. In addition, the security company intervenes quickly and makes direct contact with the owner to warn him of the situation.

prove: the video recording is indisputable proof of the disaster and allows us to reconstruct the course of the act of vandalism or theft and to get their hands on the culprits.

It is, therefore, better to invest in an effective security system, especially if housing is a target and contains valuable goods or objects.

What are the criteria taken into account by insurers?

Not everyone pays a home insurance premium of the same amount. Indeed, not everyone has the same needs in terms of coverage because each profile is different and the characteristics of the habitat to be insured change from one dwelling to another. So to find the cheapest home insurance corresponding to its situation, it is important to compare and dispose of the good guarantees in its contract. Because it is useless to simply choose the cheapest contract, it must be possible to find the cheapest for his profile.

So to set the price of home insurance, insurers are based on very specific criteria:

• the situation of the occupant of the dwelling: owner or tenant;

• the location of the accommodation and its location: 1st floor, ground floor, last floor, etc .;

• the value of housing and property to be insured inside the dwelling;

• housing security.

• For example, the owner of an apartment located on the ground floor of a building and not equipped with a security system will have to pay a monthly insurance premium much higher because its situation is riskier than the occupying an apartment on the top floor and equipped with an alarm and/or CCTV.

How video CCTV impacts the home insurance premium?