Selection of ways to protect property

Selection of ways to protect property

Purpose:

1. Prevention of theft and property damage

2. indemnification at the incident

Let's consider a concise analysis of the ways to protect property:

 

Protection method

Prevent theft and tampering

Coverage for damage

Cost per year

The cost for

10 years

1

NO

NO

NO

0

0

2

Alarm alerts you by phone

YES

NO

20

200

3

Property insurance

NO

YES

200

2000

4

Alarm alerts you by phone + property insurance

YES

YES

220

2200

5

Alarm message passing in Alarm Receiving Centre

YES

NO

480

4800

6

Alarm message passing in Alarm Receiving Centre + property insurance

YES

YES

680

6800

* The present value is the average value is provided for estimated cost assessment.

1. The absence of a system to prevent theft and damage and Property insurance makes sense, if the maximum damage in the incident is less than 200 euros. Taken into account the maximum lifetime of any domestic product equal to 10 years.

2. The presence of an alarm system with transmission of alert on the phone owner is justified, if the damage when the incident is between 200 to 2000 euros. Prevent theft and damage it is possible.

3. Property insurance makes sense if the potential damage will be from 2000 up to 30000 euros.

4. The combination of alarm system with transmission of alert to phone the owner and Property insurance is justified if the damage be from 2000 up to 30000 euros. There are additional security system management functions.

5. Alarm system with transmission of messages to the Alarm Receiving Centre does not cover potential damage. Preventing theft is quite possible. Makes sense, if the maximum damage in the incident is less than 200 euros. There are no management functions.

6. Alarm system with transmission of messages to the Alarm Receiving Centre + Property insurance. Preventing theft is quite possible. Justified, if the maximum damage in the incident will be from 2000 up to 30000 euros. There are no management functions.

Check out rapid response team, when the alarm is triggered, of course, is a spectacular action. But the contract cost 40 euros per month, most likely, will be the only contract for centralized monitoring. The fact of the matter is that the cost of licensed security guards, their insurance and not profitable firm with a small amount of protected objects (less than 400). The subscription fee of 40 euros will not allow to ensure a full reception of alarms and check out rapid response team. The contract will provide the only receive alerts for Alarm Receiving Centre and bringing information to the owner. Departure of rapid response team to the alarm signal is not guaranteed. Reparation is not provided.

Presence of agreement to check out rapid response team and property insurance will certainly increase the level of protection for your property, but potentially harm may be much lower costs for insurance and security.

The most effective method of protection of the House will be a contract for the insurance of damage together with the alarm system with audible over the phone. The alarm system will detect the invasion scare off the attacker and take action. The insurance guarantees compensation of potential damage. Alarm alerts you by phone will just take control and manipulate them.

Conclusion:

When choosing how to protect property it is necessary to assess the value of potential losses during the invasion. When the amount of potential losses of up to 30000 euros the best solution is the alert alarm system by telephone and property insurance.

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