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Home Security Systems questions, answered by experts

You don’t need to completely revamp your security system constantly, but it’s a great idea to give it a once-over every year. Look for potential upgrades or new features—like smart home tech or replacing outdated equipment—that could boost your safety. If you make any significant changes, let your insurer know as they may adjust your discounts to reflect your improved security. Staying on top of your security not only keeps your home safe but ensures you’re getting the best possible rate on your insurance.

There are several strategic ways to lower your home insurance premium. The primary one is to shop around and get quotes every few years to make sure you’re getting the best deal. Also, sometimes bundling your auto and homeowner’s insurance will get you a discount on both. Finally, try to keep your credit score up; many homeowner insurance companies use credit scores to generate quotes.

This is the topic of much debate, though there is no “better,” as it depends on personal preferences. Some of the components of a wireless system keep working when the power goes out, as they are battery-powered. On the other hand, a wireless system typically connects to your modem and router. Wired systems use landlines to communicate, which never go out on their own unless they’re physically cut.

Home security cameras typically do not record continuously 24/7. Most options use motion detection technology to trigger recording when they sense movement or a significant change in their field of view. This approach conserves storage space and reduces the need for constant monitoring. When motion is detected, the camera starts recording and may send alerts to the homeowner. However some cameras offer the option for continuous recording, but this requires substantial storage capacity and may overwrite older footage when space runs out.

Insurance companies weigh the amount of potential liabilities on your property to increase (or decrease) the cost of your home insurance. They will use several factors to decide if there are more chances for peril or injury to take place at your home. These factors include your location (whether you live in an area with high risk for natural disasters), the age and condition of your home, and whether you have any “attractive nuisances”—features that both increase the aesthetic of your home and potential for injury—like a pool or treehouse. 

The Novi, MI homeowners’ guide to home security system services

From average costs to expert advice, get all the answers you need to get your job done.