Every homeowner or business owners that owns property needs HOI, homeowners insurance or hazard insurance. It just depends where you are in the country or who you are dealing with as to the terminology that is used. But it's all the same.
You can't buy a home, either it be a single family home, town home, condo or even an office build without getting hazard insurance before you go to settlement. Hazard insurance gives both you the property owner and the lender peace of mind in case of a fire or some other catastrophe that this asset will be made whole again and everyone is protected from financial ruin.
Now depending on the size or your home or mortgage, hazard insurance can range from hundreds of dollars to thousands of dollars per year. As I'm sure you know, insurance goes up almost every year and forget about it if you have made a claim. In some cases hazard insurance can be as costly, if not more costly than the yearly tax bill on the property.
Hold on, I know you thought Christmas had passed but here is a late Christmas gift for you. There is a way to save 12-15% per year on your HOI/hazard insurance that 90% of the home owners and business owners do not even know about. Probably their insurance agent does not know about or think to ask.
I know you asking, "How is it that I can save 12-15% on my yearly hazard insurance bill?"
The answer is through security systems. Security is not a want in this day and age, it is a necessity. Insurance companies give their clients discounts for having security devices in their properties. These security systems can be as simple as monitored systems to having an easy to install surveillance and security camera system.
Here is the question you want to ask your insurance agent when either you apply for a new hazard or homeowners insurance policy or renewing your current policy. Whether you pick up the phone and call your insurance agent or go into their office. Ask them " Hey Mr. or Ms. Agent how much of a discount will I receive for having security devices or systems in my property." You might be pleasantly suprised when you hear the answer.
Also, one more thing for those of you that have had security devices, like motion detectors, security or surveillance cameras and/or monitored devices. If you have receipts or bills for your hidden cameras, surveillance camera systems or monitoring; your insurance company should prorate your bill for that period of time once you ask for it. So get on the phone and save some money. Here's to your safety and saving money.
Deciding Which Video Camera to Buy for Security of Your Home
Crime rates are higher than ever. And keeping your family and home safe is no cake walk. While our grandparents lived in a time where they did not need to lock their doors at night, today's world does not grant us that luxury. Rather, heavily locked doors are broken into as easily as entering an open door.
Now, even if you have a deadbolt on all your doors, grills on your windows and an alarm system to boot, it still cannot guarantee your safety. You need to go one level up if you want your home to be really secure. It is an absolute must to install a surveillance system as well. Through this article, you will learn about a couple of different kinds of security video cameras that you can use to keep your home, belongings and family safe.
Types of Camera for Home Security
Wireless cameras for home use are much more advanced today than just ten years ago. Today's wireless cams have several attractive features like wireless connectivity, expendable recording memory, and color footage. But all this comes at a steep price. A good quality wireless system will easily cost at least $400, usually much more.
However, if you are on a budget, then a more feasible option would be to make a DIY video camera for home security. This does not take a whole lot of time to do and neither is it very difficult. What's more, you will be saving on literally hundreds of dollars.
So here is how you go about it. All you need is a simple webcam. The fact is that you can easily convert your digital webcam into a functional wireless surveillance camera. You can then monitor the footage from your laptop, PC and even your mobile phone if you have the software to support it. Your expenses for the project? $40 - and this is including the software, and the plans and detailed instructions of how to set it all up.
But if you do not want to take the effort, then you can go for a simple plug 'n' play system. No setup or configuration required. Just get it all out of the box and you're ready to go.
The best place to buy a professionally made video security system for your home is online as this is where you will get the best rates as well as the widest range of options to choose from.
All You Ever To Know About Security Video Camera Software
Many security video cameras on the market today come with their very own security video camera software, and if they do, it is imperative that you properly install and use this software in order to effectively use your security camera. You will be aware of whether your camera comes with software or not before you buy it, and it will typically be referred to as a ‘computer software security system’.
There are literally hundreds of different choices here, but a few of the security video camera software options presently available are: CSSS Video, Easy CSSS Video, Web Camera Security System, HT WebCam, SoftCab Webcam Spy, Cam Wizard, Informant Video Surveillance Software, Motion Hunter, System Mechanic Professional, ECPSoft MediaStorage, IDpack Plus, iVisit, DOLeye, and StickerCam.
The Process
There are a few steps that are involved in the process of setting up a security video camera software system that you are going to have to be aware of. The first is to select a particular product, and once you have purchased it and brought it home, you can then get started on the installation process.
Any security video camera software system should include detailed instructions for setup in the owner’s manual or instruction guide included with the purchase, and so all you need to do from here is follow these steps carefully to install the software appropriately. Once you have done this, you can begin customizing your security system, and this namely refers to how you will alter the settings to your liking, for instance from color to black and white, or you can change the resolution of the screen.
Updates
Anytime you purchase and install one of these security video camera software systems, it is important to realize and remember that you have to keep checking and installing updates frequently. Otherwise your system will quickly become outdated and will either fail to function at its best or will even shut down completely, just as a computer system would.
You also want to be sure to include various other security measures with this product, such as a motion detector and glassbreak sensor, for instance. Anything that you can do to better protect your family, home and property is definitely worth doing. If you are having troubles here, there are plenty of home security professionals available who are going to be more than willing and able to help you out in the creating and maintaining of your own home security system.
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