House alarms, commonly known as burglar alarms, protect your home against unwanted intruders.
With so many types to choose from, we explore the different types of burglar alarms and explain how they impact your home insurance.
A burglar alarm can help with several home security issues. Firstly, a simple alarm or camera can deter opportunistic thieves who prefer targeting homes with no security systems.
Having someone enter your home isn’t just a personal security issue; according to ONS, the average cost of a residential burglary in the UK is £3,030.
Lastly, depending on the type you choose, an alarm can give you peace of mind while you’re away from home.
The impact on your home insurance quote varies between insurers as each uses slightly different criteria to price your premium.
If you tell your insurer you use an alarm or surveillance system and it appears on your policy documents, you must keep it active or tell them if you stop using it.
It may invalidate your policy if you don't keep them updated.
If you inform your insurer about your alarm system, they'll likely ask if it’s certified, installed, and maintained by one of the following approved organisations:
There are two main types of home alarms:
If you choose monitoring alarms, here are your options:
The police will only come to your home if two indicators in your house have been triggered. For example, a sensor and a door contact.
If you want some extra peace of mind, a security camera captures footage of your home which can be invaluable if an intruder tries to break in. Like with alarms, there are wired and wireless options.
Wireless alarms are usually easier to install but generally more expensive. However, if you move homes you can take them with you.
Wired systems normally require a professional to install them so they can hide the wires, which means labour costs are usually higher.
Prices depend on the type of alarm you’re looking for. You can buy a basic DIY house alarm with easy installation for less than £100, whereas a hi-tech alarm could cost at least £1,000.
When deciding your budget for an alarm system, consider the following costs:
Alarms aren’t the only way to protect your home against burglars. Here are a few other things you can do: