How does better fire safety affect your insurance premiums

Running a family home is a pretty expensive affair given all the bills, utilities and so on that you have to keep on top of at the same time as keeping all the members of the household fed and clothed. One expense you generally can’t do without is home insurance because that’s the type of cover that protects your house and belongings against things like fire.

However, home insurance is likely to be much more expensive for you to take out if you don’t do yourself a favour by improving the fire safety and security of your house. The more security measures you have in place, the less expensive your insurance is likely to be with regard to break- ins and things. The more smoke detectors, fire alarms and other systems you have in place, the less likely it is that fires will run their course on your property and this will drive your insurance premium down too.

Of course, some insurance policies may actually rest upon the presence of comprehensive fire safety systems and security systems, in which case they will be invalidated and insurers won’t pay out if they find you don’t have the right equipment installed.