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Can Security Cameras Lower Home Insurance Premiums?

Homeowners insurance is calculated using a few constants. For instance, your premiums are based in part on your home’s location, the cost to rebuild it, and the value of the contents of your home. Those don’t change much.

But, if you are interested in reducing your insurance premiums, there are a number of steps to take that can help reduce what you pay.

One of the biggest and easiest ways is improving home safety. According to Farmers Insurance, this is the No. 1 most effective way to reduce your premiums, and Travelers Insurance also cites home security as a way to possibly lower your premium.

So the answer is yes, home video surveillance and other security systems can lower your premiums. Even disaster-proofing, which, in turn, improves safety, can help lower your premium. The reason is simple: A more secure home can lessen the risk for burglary or home disaster, ultimately saving the insurance company money.

Security Cameras
Home Security and Home Insurance

What Types of Home Security Reduce Insurance Premiums

There’s no right answer, as it depends on your insurance company. That’s why it’s smart to check with them first to understand what kinds of upgrades qualify for insurance deductions.

But typically, home security enhancements like surveillance cameras, alarm systems and dead bolt locks all can help. Additionally, enhancing window security, adding fire sprinklers and smoke detectors security, and joining a neighborhood watch program can also contribute to lower premiums.

How much will you save? It depends on your insurance company, but the majority of insurers do provide incentives for home security upgrades. According to the Insurance Information Institute, adding all or some of these systems can help cut your rates by 5 to 20 percent.

There’s a simple reason why security enhancements can save so much. According to U.S. property crime data, homes without security systems are 3 times more likely to be burglarized. And considering the typical burglar breaks into a home in 60 seconds, it’s helpful to take steps to prevent them before they act. Home security cameras, for instance, are an extremely effective deterrent. Because most homes are burglarized during the day, visible video surveillance cameras can turn away criminals before they act.

Therefore, a home security camera system, in tandem with an audible alarm and quality dead-bolt locks will better deter criminals. is your source for home security cameras and video surveillance tools. We carry systems of all types and for any budget, including Closed Circuit security systems or WiFi-enabled tools.

6 Safety Tips for Non-Sparking Tools

Non-sparking tools are commonly made from non-ferrous metals like brass, bronze, or alloys, like aluminum-bronze. In turn, these tools greatly reduce sparks when they’re used properly, which can reduce the risk of fire or explosion in hazardous work environments.

Standard hand tools, on the other hand, are commonly made of steel alloys. When struck or ground against surfaces, steel tools tend to create sparks, which have the potential to ignite flammable vapors, dusts, solvents or liquids. In these hazardous environments, non-sparking tools add another layer of safety and can help prevent accidents. The key, though, is following the manufacturer’s recommended use guidelines and maintaining your non-sparking tools properly. Here are some safety tips for non-sparking tools:

1. Keep Your Non-Sparking Tools Clean

To maximize the non-sparking property, your tools must be free of contaminants, like iron or steel residue. When these substances are present on the heads of a non-sparking wrench, for instance, the tool is more likely to generate sparks. To prevent this, follow the regular, manufacturer-recommended cleaning schedule.

2. Avoid Using Copper-Based Non-Sparking Tools with Acetylene

Tools that are made mostly of copper, like an aluminum-bronze hammer or wrench, should not be used in direct contact with acetylene, because there’s a risk for the formation of explosive acetylide. This is particularly true in damp environments. In these situations, potential explosions aren’t caused by sparking; instead, they are caused by the reaction between copper and acetylene.

3. Proper Maintenance

Non-sparking tools are made with softer metals compared to standard steel tools. This can cause them to wear more quickly, and in turn, non-sparking tools require regular maintenance. Therefore, to maximize their capacity, follow the manufacturer instructions for regular face- and head-resurfacing.

4. Use Proper Ventilation

Non-sparking tools are commonly used in environments where flammable vapors and dusts are present. The use of a local or mechanical ventilation system can help diminish the presence of these contaminants, and subsequently, reduce the risk for fire or explosion from sparking surfaces.

5. Understand Your Environment

Although non-sparking tools can reduce fire and explosive risk, it’s still important to monitor the work environment to ensure an explosive environment doesn’t develop. A gas detector or infrared thermometer, for example, can help you quickly gauge potential hazards at the work site.

6. Know Your Non-Sparking Tools Rating

The material your tool is made from is designed to be used safely with particular elements. For instance, aluminum-bronze non-sparking tools aren’t safe for use around hydrogen, gas of water, or acetylene. Copper-beryllium hammers and other tools, on the other hand, can be used in the majority of environments, but you should use caution around acetylene. Following the manufacturer’s guidelines use will help you avoid using your non-sparking tool in the wrong environment.

Deelat is your source for non-sparking tools like aluminum-bronze wrenches, hammers and mallets. Browse our extensive inventory of non-sparking tools right now.

How to Choose a Security Camera System for Your Home

Home Security Camera Systems has a myriad of options for video surveillance, so it may be difficult for you to choose the right system for your home. More and more homeowners are opting to install private security networks on their premises to deter theft, monitor child/senior care provider conduct, or just to stay aware of what’s happening on or around their property. Security camera systems are now available for just about every need and budget, and give you the freedom to view video footage from both on-premises Closed Circuit (CCTV) monitors, or remotely over the Internet, as well as record the footage on hard drives or other removable media.

We can help you start your research by asking yourself a few basic questions:

Is the Setting in Bright Light or Low Light?

The overall light level of the environment you’re going to be securing should be a determining factor in your choice of camera. If your video surveillance will be taking place in bright, well-lit areas, your choices have very few limitations, because ample light makes it easy for just about any security camera to capture clear footage.

Alternatively, dim lighting conditions require more consideration, because not every video surveillance camera is built to handle these situations. Look for a camera that has a light sensitivity rating of 1 Lux or lower – it will either be labeled as a Day and Night camera, or will have low-light compatibility among their features. Day/Night video cameras give you the most flexibility, so if your situation needs 24/7 surveillance, go with a Day/Night.

Do you Need Wired or Wireless?

Another major factor in your decision is whether or not you want your security camera to be hardwired or not. Wired surveillance cameras typically send a more solid and secure video signal because they typically have a higher throughput. They usually take more money and effort to install because wiring needs to be run.

On the other hand, wireless cameras can be placed virtually anywhere with ease, because you don’t have to worry about running new cable or patching into existing cable runs. Signal security is also becoming much less of an issue, thanks to ever-improving encryption protocols. The difference between wired and wireless is usually defined by the resolution quality of the footage. Not that wireless does a poor job, but their signals can be interrupted by any number of reasons.

Fixed or Pan/Tilt/Zoom?

If you plan to keep your security camera fixed on one stationary view, or if you would rather have the ability to look around can be an easy factor to determine. If you only need to focus on a certain section of a room, building entrance, or parking area, then a standard-format fixed camera will do just fine. However, if you need the ability to remotely swivel and/or zoom your camera to follow action or cover a wider area, then opt for a Pan-Tilt-Zoom (PTZ) surveillance camera instead.

Unlike fixed cameras, PTZs are designed to freely move their lenses back and forth horizontally (pan), vertically (tilt), and adjust lens focus (zoom). All of this can be controlled, but there are also PTZ cams that can be programmed to automatically pan, tilt and zoom wherever movement is detected.

On-Premises or Remote Viewing Access?

How do you plan on viewing the video footage? For most folks, a video feed going to a digital video recorder (DVR) or a CCTV monitor at home is all they need, but what if you want to keep an eye on things from elsewhere?

Remote access surveillance cams, also known as IP cameras or network cameras, are a wise decision if you need this ability. They are designed to be connected to a computer network via Cat5 Ethernet cable or Wi-Fi, these web-enabled cameras allow you to log in and view what’s going on from most any Internet-connected computer or smart phone.

Hopefully this helps you narrow down your options and make a decision on which surveillance camera you should get to help protect your home or property.

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