Frequently Asked Questions | Insurance Industry Guidelines
Does having an alarm system really make my homeowners insurance cheaper?
Yes! Insurance companies know that you are 3 to 4 times less likely to be burglarized by having a home alarm system in your home. This means they are less likely to have to pay large insurance claims on stolen property and are willing to give significant discounts to their customers that get monitored security alarms in their homes
or businesses. The level of discount depends on the coverage of the alarm system and the area you live in, for more information contact your insurance company
What if my alarm system loses power because of a power failure?
Every alarm system from Eagle Security systems comes with a backup battery already installed. This means that during power outages the alarm system will automatically switch to the backup battery. The battery will keep your alarm system powered for up to 24 hours, depending on how much you use the system during this time.
After the main power of your home comes back on, the alarm system will begin recharging the backup battery until it is at full power again. During this time the alarm system will report that the battery is low until fully charged.
How long has Eagle Security Systems been in the alarm business?
Eagle Security has been in business 25 years and during this time we have setup thousands of alarm systems across Melbourne.
Why should I test my home alarm system regularly?
You should test your home alarm system at least once a month, preferably once a week. This ensures that everything is working properly in case of an actual emergency. The biggest concern is the phone lines that the alarm system is hooked to. Testing will confirm that your home alarm system has a strong connection to the phones and that the phone lines are working properly. If there ever is a problem that occurs during a test you then can get it fixed before is becomes a serious home alarm issue.
I am currently renting, can I still get alarm monitoring?
Eagle Security does not currently offer home alarm systems or alarm monitoring to renters. Authorisation for the installation of an alarm or monitoring service must come from the property owner.
What about pets in the home; will I still be able to use my alarm system motions?
All of our alarm systems come with the option of Pet immune detectors. These way small animals up to 35 pounds will not be detected. But it’s always a good idea that when you get an alarm system to let your pet run around in front of the detectors to make sure they aren’t detected. Even when your alarm system isn’t armed, the detector will still have a small red light show when it sees motion.
Does a home alarm system really reduce my chance of being burglarized?
Yes! Studies have shown that homes with alarm systems in them are 3 to 4 times less likely of being burglarized. Burglars look for places without home alarm
systems because it’s easier and they have less chance of being caught.
Insurance Industry Guidelines
To meet acceptability guidelines, an alarm must comply with certain feature specifications and installation requirements, so that:
The alarm provides adequate protection
The alarm meets industry guidelines
System integrity and performance is ensured
The likelihood of false alarms is reduced, and
The community is relieved of unnecessary noise pollution.
Alarm specifications for houses, townhouses and villas
Essential features for house, townhouse and villa alarms
Intruder detection on or near the main entry points (all external doors must be covered).
A minimum of three intruder detection devices, including at least two motion detectors (a combination of movement sensors and reed switches is acceptable, if there are three in total).
Connection to mains electricity, and a rechargeable battery which operates when mains electricity fails. At least one internal siren (two may be beneficial, with at least one near the most likely entry point).
A strobe light, and an external siren that meets the relevant noise control regulations.
Desirable features for house, townhouse and villa alarms
The following features provide better security but are not essential.
Isolation capability. I.E. Home mode or odds and even zones,
24-hour duress protection.
24-hour smoke detection capability.
Regular alarm maintenance, including a professional service at least every two years.
Compliance with the intent of the installation requirements of Australian Standard 2201. (see below)
An additional motion detector in any room containing high risk valuables.
Inclusion of garages in the alarm surveillance region.
Where wireless or radio systems are used, they should operate in a radio frequency outside that of conventional two-way radios. This helps to avoid interference and reduce false alarms.
Australian Standard (AS) 2201.
The following are some key items of this requirement:
Standby backup battery with a minimum capacity of 48 hours for a local unmonitored audible alarm and a minimum capacity of 4 hours for a monitored alarm. (Including self monitored) Automatic rechargeable batteries Tamper protection on all detection and warning devices.
Concealed or protected wiring. Routine maintenance of the system.
Operating procedure instructions .
Eagle Security systems meets all of the above.
Special note. To receive a discount on insurance premiums, some insurance companies demand you have a back to base monitored alarm.
Please weigh up the cost/benefit. The cost to have a quality alarm installed with a three year monitoring contract ranges between $1600.00 and $3000.00 in the first 3 years then continuing fees thereafter. If you forget to arm the system and monitoring company does not receive an activation message during a robbery, the insurance company won’t pay the claim.
The average premium discount for a monitored system is only about $20-30.00.
It is also worth noting that Eagle Security does not tie you into Monitoring contracts, you are able to stop whenever you wish.