When building a home, there's a lot to think about. At first, you have to focus on the large scale and find the right lot of land and the right contractor. Once the big decisions are made, you must decide on which doors look best, and what landscaping will work with your home's design. In all your excitement about your new home you may forget one important piece- a sprinkler system.

Some lawmakers in Pennsylvania believe the sprinkler system should be mandatory in all homes in the Keystone State. Although some local contractors feel that placing sprinkler systems in home is ill-advised due to possible accidents, a Pennsylvania state advisory board has approved the proposal to install systems in new single or double family homes built after January 2011. The new sprinkler systems may be somewhat costly, and may require an alternate water source- all of which can be sorted out buy your builder.

Although your builder can install the system the way you would like it, at a cost that you can afford, how would these sprinkler systems affect your homeowners insurance? Because of the sprinkler systems, a family may file claims as a result from any accidental activation of the water. Despite a possible increase in claims, insurance companies support the mandatory installation of sprinkler systems. These systems are a huge life-saving tool, with statistics showing that deaths resulting from residential fires where a sprinkler system is installed and working were slim to none. Your homeowners insurance premiums may also drop with the installation of a sprinkler system.

If you would like to learn more about your Pennsylvania homeowners insurance options, visit the Humphries Insurance Virtual Insurance Office right now.