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Flood insurance is generally not included and must be purchased separately since floods are a more common occurrence. The cost of homeowners insurance is generally not taken into consideration by first time homeowners when buying their home, but a significant discount is generally given to homeowners with home security systems installed. The total discount given as a result of homes having security systems differs based upon the features of the system for instance, a system monitored by a central monitoring station should provide a larger discount compared to one that is not monitored and the amount of coverage purchased initially and the company offering the insurance. In general, homeowners receive a 10 20% discount on their insurance by having a functioning home alarm system installed. This type of system allows the home alarm to be remotely armed or disarmed, cameras to be monitored, household lights to be turned off and on, air conditioning or heating to be turned on or changed, and motion detectors to be monitored. All of these functions not only allow homeowners to watch for intruders, but they also help to protect the home remotely.Smoke Detector
Not only does two way audio let you speak to whoever you’re recording, which can be an easy way to talk to family members from afar, but it’s also a great way to scare away intruders as a last ditch effort. You’d be scared too if a disembodied voice came screaming out at you to get out of their house!On a more negative note, the camera’s night vision wasn’t quite as clear as I’d like it to be. While the box said you’d be able to see for 15 feet, things got blurry for me at 10. However, I am quite pleased with the camera’s two way audio and smart platform integrations, which include Amazon Alexa, Fire TV, Apple HomeKit, and Google Assistant. It’s hard to find a camera that integrates with Apple HomeKit, as its one of the less popular smart home automations, so I like that the Circle 2 really gives you options here. Of course, you’ll be able to watch your livestream or cloud storage footage on your Fire TV in addition to vocally commanding the Logitech Circle 2. Truly, home security has never been more convenient!While the Logitech Circle 2 includes 24 hours of free cloud storage plus unlimited streaming and downloads, I would recommend going with a membership, not only for the additional cloud storage but also for the person detection only available with the premium package. As you can see, the plans are reasonably priced and give you discounts for up to 5 cameras. With the premium package, you’ll also be able to create motion zones, which tell the camera areas that are particularly important to look out for. If you have a house with multiple floors or a baby’s room, this feature is going to come in handy. Plus, you can take advantage of the yearly package because you know you’re not going anywhere.