Think that just because you live in safe neighborhood, you are immune to burglary?  Avon Lake Police warns this is a faulty belief. 


In fact, in the last few months normally quiet neighborhoods have seen an uptick in criminal activity.



Considering getting a home security but hate the thought of dealing with bulky camera equipment and wires running all throughout your home? Think again.


Today, things have changed quite a bit, and the playing field has been leveled. Advanced tools and security systems are more accessible and affordable than ever. (And installing them might get you a discount on your homeowners insurance, too.)


At Cobos Insurance, our carriers will reward you for installing a security system.   You can full-service systems like ATD  or a Whittguard security systems at . These companies offer central monitoring, video surveillance, smoke/carbon monoxide detection and more. Some even include home automation tools so you can control appliances from anywhere, and many will send text-message alerts in response to specific occurrences, such as when the kids enter the house after school.


Caveat.  Insurance companies will give you no more than a 5-10% discount maximum. Do not be wooed by a flyer that says you are going to save 25% on your insurance.  I have never seen a company give that steep of a discount. Do not purchase a security system for an insurance discount.  Buy a system, because you want extra protection


Now…..if you can’t afford a monthly security system bill there are still options.  Do-it-yourselfers who don’t want an all-in-one system have many choices as well. Here are three of the newest and most popular security tools:


1. Smart (and small) cameras

Cameras today can be tucked anywhere and don’t require wires. With a good battery and wi-fi connection, you can see what’s happening outside — or inside — with a glance at your phone or computer.


Looking for some cool products.   Look no further.  Listed below our Cobos’s favorite wireless cameras.


A.      Dropcam. Dropcam is a 24/7 lives streaming camera with night vision, activity alerts that also comes with its own app. Www. This camera runs about $190.00

B.      ArcSofts Simplicam.  Benefit it over facial recognition technology.  No computer required. You can stream to a smart phone.  



2. Key-free doors

Say you have a friend stopping by to check on your dog while you’re gone for the day. You don’t have to risk leaving a key outside. With a code-based entry system, you can simply provide your friend with temporary access that turns on and off when you want.


A.      Kwikset Smartcode $119.00 at Home Depot.  You can install this yourself.


3. Home automation products

It’s easier than you think to give yourself remote access to the lights and appliances in your home. At least one available product can be used with your existing power outlets; simply plug it in and control the power to that outlet from an app on your smartphone. Don’t ever worry about forgetting to leave a light on again.


Of course, even “old-school” tools, such as motion-activated outdoor lights, can still have a big impact on security. So whether you choose high-tech tools or stick to the basics, you’ll be making your home here in Ohio a less attractive target for burglars.

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NOTICE: This and all content is developed from sources believed to be providing accurate information. The information in this material is not intended to be used as tax or legal advice. Please consult with a tax and/or legal professional for detailed information regarding your individual situation. Some of this material was developed and shared by Cobos Insurance Center, Inc. to provide information that may be of interest. Cobos Insurance Center, Inc. is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
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