What are the differences between alarm types when quoting property?
When quoting property, common questions related to safety and risk reduction are included in all applications. These pertain to reducing and preventing fire and burglary losses, which can be costly claims. Below is an explanation of each type:
Burglar Alarms:
Central Burglar Alarm: Monitored remotely by a company that alerts the authorities.
Local Burglar Alarm: When activated, this alarm triggers a siren, strobe, or sound but does not alert the authorities.
Fire Alarms:
Central Fire Alarm: Monitored remotely by a company that alerts the authorities.
Local Fire Alarm: When activated, it triggers a siren, strobe, or sound but does not alert the authorities.
Private Fire Department Service: A service that responds exclusively to clients who subscribe to their services.
It is highly recommended to install burglar and fire alarms on any property, as they mitigate risks and contribute to more favorable insurance premiums.