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Home Insurance. Sunday , February 25th , 2018 - 17:50:50 PM

The control panel is used to arm and disarm the system. If the system is armed and one of the circuits on the window or door sensors is interrupted, an alarm sounds. If it is a professionally monitored system, that alarm also notifies the alarm company that there has been a breach. The alarm company then follows a set of procedures, including contacting the homeowner or emergency contact to make sure it is not a false alarm, and then the authorities (fire or police) are called.

While more than half of the survey participants revealed that they did review their policy on their own or with an agent, only 18 percent enhanced their plan with 12 percent purchasing a new plan. These low numbers may point to the difficulty many have with understanding their own insurance policy. Most times the policies are long and often contain jargon that’s hard to understand without a background in insurance. Reviewing a policy on your own is a proactive step, but may not be enough to uncover policy gaps in the event of a natural disaster.

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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