Alarm System Monitoring and Australian Insurance Quotes Reviewed

We always hear about how having a back to base alarm can reduce your home and contents insurance, thereby helping the system pay for itself over a set period of time. we are not the type of people that take things at face value at Pacific Security Technology, however, so today we decided to investigate exactly how much difference these things make to an insurance quote! The results are revealed here.

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What Makes a difference to Your Quote?

Thinking Seriously About A Landlords Insurance Quote House insurance buy to let  It may be advisable to take its protection seriously by considering your position with respect to a landlords insurance quote:• if you have a buy-to-let property, standard owner-occupier home buildings and contents insurance will typically not offer you full or indeed any protection;• you may also find that if you were to rent out property, even one bedroom, owner occupier insurance may be invalid;• that is on the grounds that insurers typically see the risks associated with a rental property as being significantly different to those that may apply to one that is owner-occupied;• if you do not already have such cover, it may be highly advisable to obtain a landlords insurance quote as soon as possible;• if you acquired a property with the assistance of a buy-to-let mortgage, your mortgage provider may have made the provision of appropriate insurance to be a mandatory condition of the lending contract – Without adequate insurance in place you may find yourself in breach of the terms and conditions of the mortgage;• neither owner-occupier nor landlords insurance cover typically gives you unlimited protection for properties that sit unoccupied for lengthy periods of time – they may only cover such situations for a specified number of days (perhaps somewhere between 30-90, depending upon the policy and circumstances) after which you may need to seek cheap unoccupied property insurance;• you may wish to bear in mind that what you consider to be cheap insurance may not be cheap for another and vice versa;• your landlords insurance quote may deal with things such as buildings, contents and third party liability – it may be possible to take out a buildings only policy if you are renting your property entirely unfurnished;• it may be worth looking to see whether or not the quotation comes with ancillary cover outside of those three categories, including things such as loss of rental income protection (through insured risks only), malicious damage by tenants and any tenant cover – Also bear in mind that the insurance policy may exclude you renting out the property to students or anyone on the social security;• note that a typical landlords insurance quote may or may not incorporate protection against the specific risk of subsidence, which given the potential costs involved if you were unlucky enough to experience it, may be something worth looking for. House insurance buy to let

The security features that make a difference to your quote vary at each different insurer. The three most common features that can increase or decrease your quote are:

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• Whether you have key operated deadbolts on all external doors
• Whether you have locks on all external windows
• Whether you have any type of alarm system, whether it’s a back to base alarm or a local alarm

However, other security devices can also make a difference to your quote, including:

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• Whether you have smoke alarms fitted
• Biometric locks (this made a difference to our tested AAMI quote)
• Keycard access to your property
• Whether you have security patrols in your housing complex or apartment block

Our Quote Details

What You Need To Get An Auto Insurance Quote Pc car insurance All auto insurance claims from the past five years. Pc car insurance Housing information (whether you rent or own).

All of our quotes were based on the following details:

• Contents insurance ONLY
• House built in 1980 on a concrete slab, made of brick veneer with a tiled roof
• Located in Parramatta, NSW
• Owner occupied by a female born on 10th April 1970
• $500 excess
• $50,000 replacement value for contents
• External deadlocks fitted, but windows locks not fitted to every window
• No previous claims history

How much difference Can a Monitored Alarm system Make?

The difference between having a monitored alarm system and not having a monitored alarm system, for a quote with the same company, varies from nothing at all, to a humdrum minor discount, to whopping savings!

The results are below:

AllianzAAMINRMABudgetGIOWith monitored alarm system301.74364.83291.92386.00357.65With no alarm system334.89501.46367.14386.00404.56

Is it Worthwhile getting a Monitored Alarm system?

Naturally, there is far more value in a back to base alarm system than just in the discounts on your contents insurance. The everyday feeling of peace and security, the potential to not need to pay an excess on insurance claims, and the personal safety of your family all make back to base alarms worthwhile.

In monetary terms though, monitoring can cost around $1 per day ($365 per year); with a potential saving of around $140 according to our quotes. That’s a pretty substantial discount … and makes it a very small price to pay for such peace of mind!

This entry was posted on Thursday, June 16th, 2011 at 1:52 am and is filed under alarm monitoring. You can follow any responses to this entry through the RSS 2.0 feed. both comments and pings are currently closed.