家居保安成本考慮 Cost of home security
保安系統與保險費用 Security systems and your insurance premium
遠行前的家居保安貼士 Security tips before traveling

家居保安成本考慮Cost of home security

您可將保安系統安裝成本視為物業增值及投資的一部份。一套合適的保安系統能給您及您的家庭成員，甚至您的財產提供全面保障，而投放資源於保安系統上，可使您家居及財產遠離被爆竊及傷害的機會。這就跟您替居所購買一份家居火災保險一樣尤其重要。
不同公司所提供的保安系統，成本上可能會有很大差別。因此，當您選擇購買保安系統前，必須了解產品信譽，查詢其他用家的推薦及意見，再向保安系統服務提供者索取一份工程開支預算或報價表，以供成本參考。
再者，您亦可以於工程前聯絡您的保險顧問，查詢設置有家居保安防禦系統下的保險費折扣，這可能使您節省部份保險費用的。

The cost of a security system should be thought of as a property value added item or investment. An appropriate security systems help provide safety for you, your family, and your properties. Investing in a security system provides you with the comfort of knowing that your home or property is protected from burglary. It is similar to paying the household insurance premium to protect you in the event of a fire.
The cost of security systems will greatly vary from company to company. Before you buy a system, check on the reputation of the manufacturer, ask other user’s reference and comment, and get a written estimate from the security system provider of the installation costs.
Also, consider talking with your insurance agent before installing a security system. He or she can tell you if a discount on your homeowners' insurance premiums will be applied once a system is installed.

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保安系統與保險費用Security systems and your insurance premium

我們曾經講述，最有資格爭取減低保險保金的方法便是適當利用保安設備而減少意外、盜竊及損失。有多項簡單的保安防禦方法，例如安裝雙開式門鎖及窗戶鎖，都可達至基本保安效用。若果你住所屬於村屋、平房或位置於街道地面，您亦應於窗戶加裝窗花及大門鐵閘，以提升保護能力。您亦可於窗戶及大門加裝保安系統及入侵警報系統，當家居被賊人入侵時，系統會自動向保安公司及警方報案。
緊記，當您選購保安系統後，您應儘快通知您的家居保險公司，向其申報系統經已安裝。並於保險公司要求下，向他們提交一份系統設置資料。因大部份保險公司也會對設有良好保安防範系統的家居，提供每年一成至一成半之保費折扣。

As we said, the best way to qualify for low insurance rates is to guard against accidents, thefts, and losses. A few precautions you can take to make your home safer are to install deadbolt locks on doors and key locks on windows. If your home or apartment is at street level, you can add grates or grilles to protect windows. You can also install a security system or a burglar alarm that attaches to windows and doors. The security system should notify the police department or security company of a possible break-in.
When purchasing a security system, it is important to notify your home insurance agent. Most insurance companies will deduct around ten to fifteen percent off your annual home insurance premium after security system installation. If your insurance agent requires it, the security company will send a certificate verifying system installation.

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遠行前家居保安貼士 Security tips before traveling

由於家居及處所會是大部人的重要財產，因此當您需要離開遠行時，您應向它作出可靠的保護。以下有六項參考建議，可助您於遠行時，為家居及財產提供部份保護。

1. 購買一般家用電燈時間掣及光暗開關掣，並接駁燈飾或其它燈光裝置，啟動燈飾定時開關。
2. 將電話響聲調校至最低，以免賊人從聲音中分辨出屋內是否有人。
3. 指示停止派發信件、報紙及定期刊物，或由鄰居代為收取。
4. 向您信任的鄰居提供您的聯絡電話。
5. 利用時間掣開關收音機。
6. 安裝雙開門鎖，將大門內外鎖上。

以上只是部份建議。如閣下家中仍未裝有保安系統，您應認真考慮是否需要安裝一套有效的保安系統，以保障財產及生命不受威脅及危害。根據香港警方防止罪案組的罪案數據顯示，大部份家居盜竊賊匪都會害怕保安系統。而沒有安裝保安系統的家居入屋盜竊案件相比起裝有保安系統家居的入屋盜竊個案高出五至六倍。若需取得更多有關保安系統及家居防禦保安資料，歡迎與我們的保安顧問聯絡。

Since your home and possessions may be your most valuable assets, there are several things you can do to protect your home when leaving for extended periods of time. Here are six suggestions to help secure your home while you are away.

1. Purchase an inexpensive light timer and brightness controller which plugs into lamps or other light fixtures.This device automatically turns lights off and on at specific times.
2. Turn your telephone ringers to their lowest possible setting.
3. Have your postal and newspaper delivery stopped or picking up by your neighbor.
4. Give a trusted neighbor a phone number where you can be reached.
5. Turn on a radio by using a timer.
6. Install dead bolt locks.

These are only some tips. If your home is not already protected by a security system, you may want to consider installing one for both protection and peace of mind. According to the Hong Kong Police Crime Prevention Bureau, case studies indicate that most burglars are scared off by the presence of an alarm system, and police studies show that electronically secured homes are five to six times less likely to be burglarized than unprotected homes. For additional information on securing your home while you are away, please consult our security expert.

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以上資料及內容只作參考用途。一切以產品性能、設計及品質及廠商最終提供資料為準，本公司不會負上任何產品誤差責任。若閣下對以上題目有所更正、意見或提供更多資料，歡迎與網主聯絡。