Over the years, the surveillance camera has established itself in French homes. And for good reason, it has many advantages: discourage acts of vandalism, feel safe at home and even now pay less for home insurance. Find out how to save on the number of your contributions ...
The surveillance camera: imposed by your home insurance?
Unlike the home insurance contract, the installation of surveillance cameras in your home is by no means mandatory. On the other hand, in some cases, it may be recommended or even imposed by your insurer.
When taking out home insurance, your insurance company may actually require the installation of a video surveillance system. It usually depends on the level of risk of your home ... The greater the risk of burglary, the more your insurer will be inclined to ask you to set up protection systems. But other factors will also be taken into account:
The location of your house in a "sensitive" geographical area (suitable for flights)
If your home is particularly close to your neighbors
Easy access to your home or low occupancy time
The storage of many objects and furniture of values
Be aware that if you refuse to meet the requirements of your insurer, the amount of your compensation may be limited, or your guarantees may be canceled.
Good to know: French law regulates the installation of home depot security cameras, even if they are used in your home, in your private sphere. Thus, it is strictly forbidden to film outside your home (neighboring houses, roads, sidewalks), under penalty of being sued for image rights.
Why opt for a surveillance camera?
Save money on your home insurance policy
Today, equipping your home or apartment with surveillance cameras can save you money on your home insurance. In addition to ensuring your peace of mind, they now allow you to reduce the number of your contributions.
The insurance companies are indeed numerous to grant discounts, generally between 5 and 15%, at the time of the subscription. Others will remove the franchise in case of theft if at the time of the disaster your CCTV system was running. And to encourage policyholders to install cameras, some insurers will even offer a home insurance package, which includes the establishment and maintenance of the system.
Solve your claims more easily
Surveillance cameras have several advantages. They are initially to deter potential burglars or vandals to take action. On the other hand, they are an indispensable element to help the police to identify a culprit or a suspect, as part of an act of malevolence of which you will be the victim.
Tip: Do not hesitate to invest in an effective monitoring system. In wanting to save money, you will surely regret, for example, not being able to have records to quickly resolve your claim.
Following a theft or an act of vandalism, several steps must be rigorously followed. You must first file a complaint in the nearest police station, then you must send a copy of your complaint to your insurance company. It is at this time that an investigation will be opened, and the police may ask you to consult the recordings of your CCTV system. These will also make compensation procedures simpler and faster.
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