Burglar bars, often known as security bars, can discourage thieves from breaking into your residence. It is possible that installing such devices will lower your homeowners' insurance rate in certain conditions. It is possible in most cases that your insurance company will grant you a discount of up to 15 percent if you use them in conjunction with other safety measures, such as burglar alarms or deadbolt locks. You can receive a 5 percent reduction on your homeowner's insurance coverage by installing one or more deadbolt locks on your property. The burglar bars must, however, be equipped with a quick-release device. Otherwise, they have deemed a fire hazard, and you may not be able to obtain house insurance coverage. Such establishments are almost certainly in violation of your local construction codes.
Adding Burglar Bars to Existing Structures
If you have a set of older burglar bars and do not include a rapid-release system, you do not need to upgrade to a new set. Obtain the services of a home security provider to determine whether or not your burglar bars with a key mechanism may be upgraded with a push button. Once your burglar bars have been updated — or new ones have been placed — make certain that every member of the household understands how to activate the rapid release in a fire or emergency. Provide your insurance carrier with documentation demonstrating the installation of a quick-release system or the purchase of new burglar bars.
Electronics Are Less Effective Than Other Methods
When it comes to protecting families and their belongings, expensive burglar alarm systems are not always reliable. In addition, homeowners are not always consistent in setting their alarms due to complacency and forgetfulness, making them a target for clever crooks. This demonstrates how important your choices are, as evidenced by the fact that burglar bars permit for the same discount on a homeowner's policy as an advanced alarm system. If you combine burglar bars with shatterproof windows, you may be able to lower your homeowner's insurance cost even further.
Dollars and Sense in the Real World
When selecting burglar bars, use your common sense. If there is a fire or a dangerous condition in your home, your family must be able to escape safely, so don't cut corners, or the money you save on homeowner's insurance will be for naught. Your homeowners' insurance carrier may request photographs of your burglar bars before granting you a rate reduction.
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