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Home Insurance. Thursday , March 01st , 2018 - 12:53:40 PM

Home security systems work by reinforcing entry points around the house, such as doors and windows. Using a system of electronically networked sensors, these points are connected to a central control panel, usually in conjunction with interior motion detectors. For doors and windows, sensors are made of two parts, one which installs on the frame and the other on the moving part (the door or the window). When the alarm system is activated with windows and doors closed, the two portions complete a circuit.

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.

Given the number of uninsured and underinsured homeowners during the 2017 natural disasters, there seems to be a disconnect between homeowners understanding their coverage and what their policy actually covers.

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