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Sprinklers Lower Insurance Rates

Sprinklers Lower Insurance Rates

Residential fire sprinkler systems are growing in popularity as they have been found to be very effective in not only fire prevention, but also in lowering home insurance premiums.

The reason fire sprinklers lower home insurance premiums is because they simply reduce the risk for the insurance company. In fact, 90% of household fires can be put out by just one sprinkler. The potential reduction to fire damage and increase in fire safety in your home due to indoor sprinkler systems is substantial. The sprinkler heads generally activate within 30 to 60 seconds of fire, much faster than any crew of fire fighters could arrive at your home. In addition, the average amount of water used by sprinkler systems to put out a fire is 341 gallons. Firefighters generally use 2,935 gallons to put out a house fire. The reduction in elapsed time before the fire has water on it as well as the reduction in the amount of water used to put out the fire in your home decreases the amount of potential damage that a fire could cause. Insurance companies are aware of these facts and take them into consideration when determining your home insurance premium.

If insurance companies are proponents of residential indoor sprinkler systems, homeowners should be too. Taking care of your home and property should be a top priority, but no piece of property is as important as our loved ones. Make sure your friends and family are safe in the case of a fire in your home by installing fire sprinklers while your home is under construction. Residential fire sprinklers add, on average, $1.35 per square foot to the cost of a new home. In most circumstances, this comes out to only 1% to 2.75% of the total cost of your home. This small increase in the cost of a new home is a great investment when considering the increased fire protection and lower insurance rates. A residential smoke alarm system when combined with a residential fire sprinkler system reduces the chance of death caused by fire by 82% when compared to having neither system.

Residential indoor sprinkler systems are activated by heat instead of smoke. The sprinkler heads are actually just plugs to outlets in a piping system that burst when they reach a certain temperature. Most residential fire sprinklers go off at about 135°F.

Make sure your family is safe in case of fire while decreasing your home insurance premium by installing a residential fire sprinkler system.