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Securing the poolside home security options

Securing the poolside home security options

A backyard swimming pool can provide a lovely haven, to relax on weekends or after a rough day. However, this only happens when it is fully secured.  In this case, a security fence, covered with gate alarms and durable pool covers, are enough protection for non-swimmers from getting into the pool. This are often set as a requirement by the regulatory authorities and they will ensure you install them, before they allow the pool to be in full operation.  In addition, there are extra security devices and equipment, meant to enhance security around the poolside. Let’s look at some of the poolside home security options.

Handful of poolside security devices and systems

Infrared motion detectors- These are provided in two configurations that are, which are mounted on the fence, and others that are pool mounted. The first type is installed along the top of the fence or wall around your pool, covering the area with infrared rays. If breached, these sensors, give a high-pitched alarm, which give adequate notice, because they are near the pool. On the other hand, the pool mounted infrared detectors work in a similar way with the fence/wall mounted, only that they take time to respond, owing to their close proximity to the pool. However, they are designed not to give false alarms

Underwater motion detector alarms- As their name suggest, they are installed on the floor of the pool. They are either applied when the pool is being constructed or in an existing pool. The devices are able to detect even the minor signs of a security breach. The systems are set not to send false alerts, due to water ripples but ultra sensitive to detect even small bodies. The underwater motion detector alarms are entirely automated and they are even able to disarm themselves. Of all the available poolside home security options, they provide a fundamental security system, for any shape or size of pool.

Personal immersion sensor- Kids are very mischievous in particular, when they start walking around. To ensure their safety when they are playing around the poolside, you can make sure they wear a personal immersion detector. The detectors are made to sound an alarm, when they get in contact with water. Usually, they work in unison with the underwater alarm.  The only downside of the personal immersion detectors is that, they must be removed when your child wants to swim. Therefore, if they drown in the process, you will not be alerted.

Surface motion-detector alarms- These are the most popular poolside security gadgets for homeowners, since they are cheaper. They sense any disturbance on the flat surface around the pool. These together with the personal immersion detectors are merely secondary security devices and they should not be used alone. The above poolside home security options can help you in keeping the backyard pool safer for you and your family. Burglars love it when you are vulnerable, hence, be ahead of them by installing the above devices.

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4 New Home Security Trends for 2014 and Beyond

4 New Home Security Trends for 2014 and Beyond

In the recent past, there have been notable developments in home security, all geared to improve the security in homes. It is also evident that most of the new systems are multi-faceted. They not only provide security, but they also offer other functions. This has made life easier and fun. It is now possible to control your security system, from wherever you may be based, not to mention the ability of some systems to regulate your thermostat and control the lighting systems.  Now more than ever, security has been heightened.  Here are some of the popular home security trends, which have made a mark in the market:

Video technology

Today, people are edging towards video technology to improve security. The technology coupled with the design of smart homes and self-monitoring, have taken home security a notch higher. With video surveillance cameras, from your Smartphone or PC, it is possible to monitor your little ones as they play in and out of your home, after school. Furthermore, you are able to track any intruder, who may be around your perimeter fence. Video cameras have been improved and they are cheaper. It is then, possible to record the happenings in your property at any given time, with HD cameras and play the footage live in a DVR, instead of recording in a tape or saving in a hard drive.

Wireless home security

Another phenomenon trend is the rampant use of wireless home security systems. Of all the new home security trends, this has been able to garner as much fans as possible and for a good reason.  Wireless security system, allows for easy installation, which eliminates drilling of holes into the wall and running wires through it. In addition, the technology has made it easy for homeowners to install several monitoring devices, which are hardly open to strangers. Most wireless security systems also allow for remote access, which makes its management a lot easier than the conventional methods.

Self monitoring

The latest developments in laptops, tablets, and smartphones have led to yet another trend in home security systems, termed as self-monitoring. This option ensures that you are updated, if your alarm goes off, via your Smartphone. This means that it is upon you to respond and seek for assistance as soon as possible. You can perform a number of tasks from the phone, from activating or deactivating the alarm system to receiving feeds from your security cameras. The beauty with self-monitoring is that it keeps you in control of the security system and deters hackers from accessing your network.

Home automation

This is the best thing, which has happened to the home security systems. It has expanded their use.  A home security system, with a home automation feature, can activate humidity controls, regulate the thermostat, manage a few appliances, and control electrical outlets and lights. The main advantage of home automation is its convenience. No matter where you are, the feature enables you to control things at home.  Besides being convenient, it has helped many homeowners to save a lot of money by reducing energy consumption. If you are planning to upgrade your property, the above new home security trends, will enhance your security as well as easing your life.

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Manufactured home insurance

Manufactured home insurance

Manufactured home insurance is for insuring homes that have been manufactured or factory built and then transported to the site where they are installed. Insuring them is similar to insuring other ordinary homes, except for some few differences. It contains the same coverage for dwelling, personal possessions and liability. The policy also has limits and deductibles. The home is insured using the conventional homeowners insurance though some insurance companies are starting to offer specific manufactured home insurance. However, the cost of insuring a home that is manufactured is more than insuring a conventional home. This is because the homes are prone to more damage from frozen pipes, storms and fire.
Some of the steps you can take to ensure you pay lower premiums are:

•    Ensure the home you are buying complies with the HUDs standards.
•    Insulate the home well to prevent freezing pipes damage
•    Minimize storm damage by buying a double wide home instead of a single wide. You should also secure it with ground anchors and tie-downs.

You should note that manufactured homes depreciate as they age, with their value reducing. This may mean that you have higher limits on liability coverage and dwelling protection than you should have. You should therefore reevaluate your home often to ensure you have the right coverage amount.

Additional coverage

Apart from the standard coverage, you may decide to include additional coverage to your home. Some of the areas you can cover that are not present in conventional homes include:

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Tips for using Homeowners insurance Indiana

Tips for using Homeowners insurance Indiana

If you own a home in Indiana, it means that you should take advantage of the homeowners insurance Indiana. This is because you need to protect your home against disasters such as windstorms, tornadoes, hail damage, fire and lightning among others. You can take the most common standard homeowners insurance which covers on most perils in addition to providing coverage for personal belongings and personal liability. This way, you will be cushioned against losses in case a disaster occurs. However, you should also note that some disasters are not protected by the policy such as damage due to floods, earthquakes and nuclear events. Although the state has its share of disasters, its average premium is less than the national average.

Disasters in Indiana

•    Tornados
In the case of Indiana, the most common disaster is tornadoes. To protect the homeowners against this, the standard homeowners insurance Indiana includes it. This means that if a tornado occurs, your home insurer will pay depending with your amount of coverage.
•    Flooding
Flooding in the state comes from the heavy rains in spring and snowmelt. It is therefore advisable for those living in flood prone area to take an additional cover on flooding because the standard homeowners insurance does not cover it. The flood insurance is federal backed by National Flood Insurance Program.
•    Earthquakes
Earthquakes are not included in the standard insurance but it can be included as an additional coverage for extra cost. They also occur in the state with the largest of 5.1 magnitudes having taken place in 1909.
•    Winter weather
During winter, some of the problems that may be experienced include roofs collapsing due to snow, frozen pipes, cracked foundations, damaged shingles and gutters. The good news is that your policy can help in covering the cost of repair such as damage to the roof, electrical wiring, and plumbing and on your personal belongings.
•    Thunderstorms
Thunderstorms come with hail, lightning and high winds. Lightning can cause electrical surges, which can damage electronics. It can also start fires. High winds can fell tress and branches causing damage to the home. Hail can damage windows and roofing.
A standard home insurance provides coverage for damage caused by the lightning, winds and hail. It covers the cost of repair caused by these elements.
•    Wildfires
Your homeowners insurance Indiana covers the cost of repairs to your home and personal possessions due to damage caused by wildfires.

Shopping for home insurance in Indiana

You should shop around for the best home insurance company to ensure you get the best coverage at affordable premiums. This could save you money in addition to getting a company that has coverage that meets your needs. One of the easiest methods to find a good insurer is using online quotes. By using comparison websites you can compare different insurers and end up with the best, all this at your own comfort. You can also save money by bundling your insurance needs to one insurer and by raising your deductible. You may also get discounts because of installing a security system in your home, using smoke detectors and using roofing materials that are fire retardant.

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What is and what is not covered by homeowners insurance policy

What is and what is not covered by homeowners insurance policy

When taking a homeowners insurance policy, it is important to know what it covers and what it does not cover. Various types of home insurance policies exist and they range from the basic ones that only cover the structures to comprehensive ones. The standard homeowners policy covers for damage from fire, lightning, vandalism, hail and windstorms. Below is the coverage provided by standard homeowners insurance policy?

What it covers

•    Coverage for dwellings – this pays for the rebuilding and repairing of the home structure that you live in and other attached structures such as the garage after loss due to an insured damage. It also includes repairing or rebuilding of plumbing, electrical wiring, air conditioning and heating.

•     Coverage of other structures – this is for damages on detached structures such as sheds, cottages, fences and garages.

•    Coverage on personal property- it covers for the loss of personal items such as furniture, clothes, electronics and sporting goods due to a covered peril.

•    Coverage on loss of use- provides payment for living expense and housing if your home is damaged and uninhabitable due to an insured loss.

•    Liability coverage - provides coverage when a visitor is injured when on your property. It pays for an attorney, medical bills and damages.

What the homeowners insurance policy does not cover

Despite the coverage that the standard homeowners insurance provides, there is some exclusion that is not covered. They include:

•    Floods and hurricanes- though damage from strong rainstorm may be covered, the insurance does not cover floods and hurricanes. In case you live in areas that are prone to these kinds of disasters, you can take additional coverage on your policy.

•    Sinkholes and earthquakes- these earth movements are beyond any human control. Unfortunately, the standard home insurance does not cover for the damage they cause. Coverage for these disasters will require purchasing of an additional coverage, and it is recommended if you live in areas that are prone.

•    Maintenance of home- in as much as you try to maintain your systems, a pipe ends up bursting or termites infest your home. Some of these problems may also escalate and result to serious damage that will require expensive repairs. The homeowners insurance does not cover these costs. For instance, a burst pipe may cause mold in your home and this can result to costly repairs. You insurer will not pay for this. That is why you should take good care and be observant for such mishaps.

•    Coverage limits- most policies provide coverage up to a particular limit. For instance in personal belongings such valuables, the limit could be $1,000. If your valuables are stolen and their amount is greater than the limit, the insurer does not pay for it. You should therefore request for additional coverage at an added cost from the insurer if you have expensive items whose value is greater than the insured limit. Some of these valuables include jewelry, gold, heirlooms and fur coats among others.

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At Home and Social, we want to provide useful information to readers in order to improve their overall home experience. Featuring topics including furnishing ideas, home security, DIY helpful tips, home upkeep, and interior design among others. Our mission is to be the best website...