Home security improvements can cut insurance costs

Experts say that some simple home security improvements - many of which are do-it-yourself projects - can not only help keep a home safe, they can also translate into financial savings.

The website lets-do-DIY reports that home insurance experts understand the importance of installing quality locks and home security systems, because they act as a strong deterrent to potential burglars.

"If a burglar is walking down the road and there are a couple of houses that he is interested in, if one has got an alarm flashing away and other one hasn't, then he may well take the easy option," insurance expert Graeme Trudgill told the site.

Trudgill added that homeowners considering adding home alarm systems should consult with their agent beforehand, so they can figure out how to get the biggest discount.

Those homeowners insurance savings can really add up. A 2007 report from the National Association of Home Builders said that while the bonuses for different devices such as burglar alarms or deadbolts can vary, many companies give combined discounts of up to 20 percent.

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