Homeowner insurance covers most events such as fires, tornadoes and hurricanes. 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. Turning on lights at a specified time through remote access can help to give the illusion that someone is at home even when they are not. Accessing the heating or air conditioning can help to prepare the home for sudden temperature changes to prevent pipe damage and can also help to save on electric or gas bills. In most cases remote access comes with a small fee, but it offers homeowners the opportunity to take charge of their home even when they are out of town. Medical conditions are a real concern for many homeowners and many home alarm companies offer medical alert pendants or emergency pulls.