Re: Insurance "alarm sensor"/monitoring requirements?

["Jim" <alarminex@xxxxxxx>]

Bill wrote:
> For a two story three bedroom home with garage door, back door, and front
> door. One bedroom downstairs, two bedrooms upstairs....
>
> For burglary, what do insurance companies require for *minimum* devices
> installed to get the highest discount off your insurance. (Like all
> perimeter doors have sensors, one interior motion sensor, U.L. monitoring
> station???)
>
> For fire? (minimum number of smoke detectors/heat sensors, etc., and where
> installed???)

Burglary, there's no minimum requirement that I know of, except some
may "require" central station hookup.

Fire, on the other hand, must have central station hook up for maximum
discount. As far as sensor requirements, it seems that most insurance
companies don't indicate how many sensors should be installed. I guess
because each house is different and layout and occupied areas differ
also. Minimum UL requirements however, are at least one detector on
each level. But, I always point out those areas where more detection
would be adviseable and the home owner decides. Keep in mind that Home
Insurance companies are not so much concerned about whether you survive
or not. They just don't want to pay for your burnt down house.