Homeowners insurance is an often-overlooked but significant cost in owning a home. Your insurance policy protects you against major losses in the event of a disaster, but you need to invest in premiums each month, which can be tricky for any family on a budget. However, you do have a measure of control. Your home electrical work in particular plays a big role in calculating your insurance payments, because outdated or faulty wiring can increase the risk of a fire. Read on to learn about what types of wiring can drive up insurance rates and how you can mitigate the costs.

The Insurance Company Makes the Call

If you don't know what kind of wiring you have in your house, you should have an electrician evaluate your system as soon as possible. Since the risk of bad wiring is so catastrophic, it might be hard to even insure a house that is too far out of date. “Some insurers will not insure you at all, some will require an inspection, and some will classify you as high-risk,” CEO of insurance-services company InsurEye Alexey Saltykov told the Financial Post.

Any of these features could raise your premiums:

Upgrade Your Wiring and Save

If you are facing high insurance premiums because of outdated wiring, it means that your house is also at a greater risk of fire. It's well worth your while to ask an electrician about what it would cost to replace your wiring system with a whole new setup to protect your home and family. Cheaper insurance is just the icing on the cake.

Give the electricians at your local Mister Sparky® for any electrical repairs or upgrades. We're always here to help!

Smoke detectors are very crucial pieces of safety equipment in your home and it is now also mandatory in NSW that residential properties have at least one smoke alarm on every storey. Not many people are aware of this, but a large percentage of fires in homes cause massive destruction because the smoke detectors didn’t function the way they should have.

The unfortunate fact is that we almost always take these fixtures for granted; we get them installed and rarely even notice they are there on the ceiling until they get set off accidently or when their batteries go dead. Improperly installed smoke detectors or even poorly-maintained ones will only end up letting you down exactly when you need them.

It’s important that you make smoke detector maintenance a part and parcel of your regular home maintenance routine. There two main types of smoke alarms used on residential properties:

These have minuscule quantities of radioactive material that reacts to the particles that are emitted when a fire breaks out, and that sets-off the alarm. These alarms are extremely effective in the detection of fast-flaming fires in which there isn’t too much of visible smoke.

These have photocells with a light beam that shines away from the cell. If smoke enters its test chamber, the smoke particles scatter some of the light; this hits the cell and triggers the alarm. These types of smoke detectors are ideal for detecting smouldering/smoky fires, which is how residential fires typically are.

Regardless of the types of alarms installed on your property, it doesn’t take more than a few minutes annually to ensure that these devices are in a working order at all times. The few steps you should take are:

Aside from the regular maintenance, it’s also very important that you consider how many smoke detectors you have and how they are powered. The best way to increase the effectiveness and safety of these devices is to upgrade your home’s smoke detection setup. The things to focus on are:

We can install and maintain smoke detectors on your residential or commercial premises. For more information, contact the Allround Electricals team at this number – 1300 169 263. Alternatively, you can also write to us at this email address.

Thanks for reading,1300 169 263

This week’s Product Spotlight has fallen on Valentine’s Day, and that couldn’t be more apt, since our

If you’re looking for a way to add a little dazzle back into your landscape, halogen landscape lights might be just what you need. Imagine being able to stroll with your sweetie down softly lit pathways on warm nights under the stars, or showing off your prized garden to friends and family, even after the sun goes down.

You can use halogen landscape lights to enhance walkways and flowerbeds or the areas around your decks and patios. These lights can also accent plants or architectural features, adding beautiful points of light around the outside of your home or business.

Find Your Perfect Style Match

Each of our halogen landscape lights is made of elegant black powder coated metal, and comes with a mounting spike and halogen light bulb.

You can choose from 3 different shapes:

1. Seashell

3. Cone