What home security systems are best for you?

Your home is your castle and, like the homes of the Knights of yore, it needs defending against intruders. PC Magazine has created lists for some of the better systems available, including features, upfront installation prices, and monthly subscription fees. These systems can help with your home insurance rates at Dove insurance Agency in Blacksburg, VA.

Finding the Right Home Security

Modern home security systems go beyond just the alarm that is tripped when someone breaks through the door or slips in through the back window. Now, anyone can monitor their own home, no matter where they happen to be, and interact with various devices, such as the lights, televisions, and radios, to make it seem that you’re still at home. You can even access cameras to see who is at the front door or inside the house.

A home security system’s features depend on how much you are willing to pay. Door, window, and interior motion sensors are a must-have. These can be connected to your smartphone as well as the system provider, which can alert the police in case of a break-in or leave you the option to contact the authorities.

You should have at least one security camera monitoring the main room. A camera can be deployed in an unobtrusive place to record either on local medium or in the cloud. You should also be able to monitor what’s on the camera from your mobile device. If you want to spend a little more, an outside camera or two would suit.

Good, solid dead-bolt locks and window locks are a given, supplementing your high-tech security system with some old-school barriers to intruders.

For any questions on home insurance, contact Dove Insurance Agency in Blacksburg, VA to speak with one of our agents.

Purchasing A New Home? Let Us Help Make Your Closing Less Stressful

Moving into a new home is exciting, full of to-dos, and a lot of work. There are loan applications, house showings, and moving logistics; however, one part of the moving in process that shouldn’t be stressful is making sure you’re properly insured.

Purchasing a home is one of the largest and most expensive investments we’ll ever make, and obtaining proper home insurance is absolutely critical.

For starters, your house should be insured for the full Replacement Cost, and not the Market Value. You’ll need to have coverage for your personal property and higher valued items such as jewelry, antiques, or expensive electronics. How much liability coverage you need is important too, and depending on your financial situation, perhaps an Umbrella policy is needed. Do you need other endorsements not included on a standard policy, like water back-up, service line coverage, or refrigerated products coverage?

It also pays to compare policy deductibles. Over the past several months we’ve seen numerous carriers increase their starting deductibles to $2,000 or percentage amounts. Did you know that many insurance providers in Virginia still offer lower deductibles?

There’s also policy eligibility. Liability risks such as pools, wood stoves, the age of your roof, unrepaired damages, and even the breed of your dog can affect the eligibility of your home.

We Help Make Your Home Closing Easier

Instead of working for one big company, our Family of Independent Agents represent multiple insurance providers. This allows us to compare rates and coverages so you’ll get the best coverage-to-value policy available.

After finding the right policy for your needs, we help coordinate with your home closing so everything from the insurance end is ready to go.

Call or stop by today and discover everything our Family of Independent Agents can do for you.

Ph: (540) 382-4277

E-mail: Joshua@Doveinsurance.com