Day Insurance Blog
Written by Stephanie Fereiro; published to Economical Insurance June 1, 2017
Summer days are just around the corner - those hot, sticky days we love to complain about until it's -35ºC and we'd do anything to bring them back. Whether you've had air conditioning, you're waiting for a pro to come give your unit a tune-up, or you're trying to reduce your energy use, consider these seven tips to keep your home cool this summer without touching the thermostat:
Economical Exclusive: The pros and cons of company-monitored and self-monitored security systems
Written by Stephanie Fereiro; published to Economical Insurance March 28, 2017
There are several steps you can take to prevent break-ins before they happen, and installing a security system can take your efforts to the next level. Both company-monitored and self-monitored systems can enhance your home security and help deter or catch those unwelcome guests, so take a moment to understand the pros and cons of each before you sound the alarms.
Company-monitored security systems
Company-monitored security systems are installed and monitored by professional home security companies. They can include things like cameras, motion detector, door sensors, glass-break sensors, silent alarms, and not-so-silent sirens to scare off intruders. While each system is usually set up to send a signal to the company's call centre when someone enters your home while the system is engaged. Then, you'l receive a phone call to make sure the alarm wasn't set off accidentally. If you don't answer or if you aren't home when you receive the call, the police will be dispatched.
Self-monitored security systems
Self-monitored security systems are exactly what they sound like - they're security systems you monitor yourself. These can include motion sensors, silent alarms, sirens, door sensors, and security cameras that send text or push notifications or call your mobile phone when they're set off - and most connect to smartphone apps that allow you to monitor them remotely and give access to neighbours or other emergency contacts. If you receive a notification when you're not home, you can call 911 yourself or have a neighbour look for signs of a break-and-enter. Some of these systems (like Nest Cam, for example) even come equipped with a speaker, so you can tell the burglars they've been caught on camera and police are on the way.
Picture your self-monitored system in action: You've headed up to your cottage for the week, and just as you get comfy in front of the campfire, your phone sounds an alert that someone is inside your house. You open your home security app and see footage of a stranger walking around your living room. You quickly call 911 and then watch as police come in and arrest the burglar on camera (and save your TV and stereo from being stolen in the process).
What about unmonitored alarm systems?
While company- and self-monitored security systems both offer some way of monitoring your home while you're not there, unmonitored alarm systems are simply intended to scare off intruders as soon as they step foot in your home - but you'll have to rely on one of your neighbours to call the police if they hear the alarm. While an unmonitored alarm-only system can make quite a racket and scare off those pesky burglars, it's safe to say that some form of monitoring adds an extra layer of security, whether it's done professionally or you do it yourself.
Did you know that installing a security system in your home could qualify you for a discount on home insurance? If you're thinking of installing a new home security system, reach out to your licensed broker to find out how much you could save.