One of the first things that property owners or renters should think about when they move into a new building is installing various security features. These can include simple iron bars on ground floor windows and doors, which can effectively prevent easy burglaries that could occur through a broken window.
Along with allowing for better peace of mind, ground floor protective iron grids for windows fall into a class of “protective devices” that can get home and renters insurance policy holders a significant discount on their premiums. Items like strategically installed iron bars, along with electronic security systems and other security features, can effectively lower the risk for a given property.
Evaluating Ground Floor Premises
One consideration for installing these kinds of protective setups involves the other potential barriers to a building or space. In some cases, walls or fences in a gated community can provide adequate protection for a ground floor space. Iron bars are most useful and effective when intruders would otherwise have free and easy access to a front or back door window, such as when houses or apartments are built right next to a street or public space, rather than being hidden or guarded by other communal fences or structures.
Another important element to consider when looking at door and window security is the existence of fire escapes and other kinds of vertical access that burglars could use to get to other floors of a building. Experienced security experts recommend installing iron bars on windows that are easily accessible from a fire escape, in order to keep the whole building safe and secure.
Other Security Features
Some other kinds of security features can also qualify applicants for discounts on an Atlanta home insurance or renters insurance policy. One of the most common additions is a set of deadbolts for all exterior doors. Adding deadbolts is a low-cost option, and in some cases, the insurance discounts can help cover the cost of installation. This can also be true for iron bars, which are simple physical installations that don’t require a lot of maintenance.
When looking at an individual property and the costs of insuring it, insurance underwriters will look at all of the above security features, along with a range of fire safety items and other risk mitigation tools in order to provide a final policy calculation. Talk to insurance company representatives about which features will help lower premium prices for a new policy and how to effectively lower the risks of home invasion or burglary.
For more, call Peachstate Insurance at 877-997-2478 to talk to insurance experts about various options for a home or rental insurance agreement.