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Home Insurance. Saturday , February 24th , 2018 - 13:37:23 PM

Some systems have additional sensors to monitor for fire, smoke, and water damage, and some newer systems incorporate security cameras both inside and outside the dwelling. With the added protection offered by home security systems, many insurance companies now offer discounts on premiums on homeowners or renters insurance policies if a homeowner chooses to install a system.

Here are three reasons to look into grading your yard sooner rather than later. Any land with a sloping hill leading into your property is going to cause water to drain into your yard or driveway. That water will eventually wear away your landscaping, leaving rivers between your bushes or pools of water in your backyard and potentially causing flooding problems in your basement. If you don’t fix the problem as soon as you recognize it, your property will be eaten away by water erosion, leading to a more expensive future project of having to bring soil in and re-landscape your entire yard.

Nineteen states and the District of Columbia have hurricane deductibles, according to the institute. Some states — including Alabama, Mississippi and South Carolina — offer a tax deduction for money deposited in special catastrophe savings accounts, to help homeowners set aside funds for their hurricane deductibles. Some policies offer discounts if homeowners use reinforced shutters to protect windows, or use special clips or straps to help secure roofs during storms.

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