The cost of your Pennsylvania home insurance is based on a number of factors. The value of your house itself is the largest factor, of course, but there are many small details that can make a difference when your agent determines the cost of your policy. Insurance agents aren’t just clerks. They’re trained in risk assessment, and can help you identify potential hazards and mitigate them if possible, or insure for them properly if you can’t. Many people are hesitant to talk to their insurance agent because they imagine that the agent will only be interested in selling them something. That’s a shame, because insurance agents are only too happy to help you reduce risks that can cost you money. They might even be able to save your life.
One of the small but important details about your house that a Pennsylvania home insurance agent will want to know about is the number and effectiveness of the smoke alarms and carbon monoxide (CO) alarms in your house.
CO is a colorless, odorless gas that can build up in your home or garage, usually because you have a malfunctioning heating device that relies on burning fuel, like a furnace, gas fireplace, or wood stove. Exposure to CO can be lethal, and since the gas has no odor, you can be rendered unconscious before you even know it’s there. CO poisoning kills almost 500 people every year in the United States, so that makes having CO detectors in place a necessity, not a luxury, if you want to keep your family safe.
Smoke alarms are nothing new to most people, and only older houses don’t have smoke alarms hard-wired to the house’s electrical system. Carbon monoxide alarms are a much newer safety device, and their use is not required in building codes in many places in the country. CO alarms got a bad reputation when they were first introduced because they were prone to false positive alarms. This led many people to disconnect them and discard them. CO alarms were also relatively expensive when they were introduced, but the price has come way down recently.
Pennsylvania home insurance agents from pennsylvania-insurance.net will always ask if you have CO detectors in your home to go with your smoke detectors and fire extinguishers, and usually offer a discount on your policy if you have them in place.
Having CO detectors in your home can save you money on your Pennsylvania home insurance, but the most important reason to have them installed in your home is the safety of you and your family. They’re a wise investment, and might even end up paying for themselves over time when you factor in the discount you receive on insurance.