 The Police Department Crime
Prevention Unit Officers can perform a Texas State Insurance
Inspection on your home. Citizens can receive up to a 20%
discount on their homeowners insurance premium by meeting the
State's minimum standards.
Texas Insurance Code Reduction in
Homeowner's Insurance Premium
The following are the requirements for a
five percent (5%)reduction in your homeowner's insurance premium.
Please note that each requirement must be met in order to qualify.
1.
Exterior doors are of solid core construction, are at least 1 3/8 inches thick,
and are secured by dead-bolt locks. Dead-bolt locks must lock with a minimum
bolt throw of one inch, which penetrates a metal strike plate mounted in the
doorframe.
2. Double doors meet the specifications for exterior doors
as listed above, have the inactive door secured by header and threshold bolts
that penetrate metal strike plates, and in case of glass located within 40
inches of header and threshold bolts, have the bolts flush-mounted in the edge
of the door.
3. Sliding glass doors are secured by secondary locking
devices to prevent lifting and prying.
4. Dutch doors have concealed
flush-bolt locking devices to interlock upper and lower halves and are secured
by a dead-bolt lock as described above.
5. Garage doors are equipped
with key-operated locking devices.
6. Windows are secured by auxiliary
locking devices. An auxiliary locking device required by this section may
include screws, wooden dowels, pinning devices, or key operated locks. Burglar
bars mounted with quick release options installed (per Plano Building Code) may
substitute for auxiliary locking devices. Jalousie or louvered windows do not
meet the specifications of this section unless they have metal grating mounted
as provided for above.
The following requirements must be met in order to
receive a fifteen percent (15%) discount on your homeowner's insurance
premium, and relate to a residential burglar alarm system.
1. All
exterior structure openings are contacted. Contacted means each opening should
have a physical appliance actually touching it. Exterior structure openings
include all windows (upstairs and downstairs) and all exterior doors, including
the door between the house and the garage.
2. The alarm system
includes a siren that can be heard from inside and outside the home with the
doors and windows closed.
The resident may qualify for up to a twenty percent (20%) reduction if the requirements for both the 5% and
15% premium reductions are met concurrently. ***Plano Police Department
accepts no responsibility for your
discount. This matter is between the
insured and their insurance company.
For more information on this program or to schedule an inspection, please contact the Crime Prevention Unit at 972.941.2431.
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