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The unexpected benefits of having a security system: a discount on home insurance  


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*Requires 36-month monitoring contract. Early termination and installation fees apply. New customers only. Full Terms.

Having a home security system is essential for protecting your property and loved ones, but its benefits go beyond just keeping you safe. It can also help you save money on insurance.  

Guarding your home and shielding your wallet

Insurance companies understand that security systems lower the risk of burglaries, vandalism, and fires, so they offer discounts to homeowners who install advanced security systems with features like cameras, sensors, and alarms. By taking proactive measures to minimize risks, homeowners reduce the chances of making insurance claims and facing potential losses.  


Untangling the mystery: understanding home insurance premiums

Home insurance is a crucial safeguard that protects homeowners from unexpected financial burdens caused by damage or losses to their property.  

Several key elements impact the insurance premiums, including the location of the home, its age, the materials used in its construction, and the replacement value of the property. Factors such as the presence of security systems, fire alarms, and sprinkler systems can also affect insurance costs.  

Insurance companies consider the level of risk associated with a specific property when determining premiums, including the likelihood of natural disasters or crime rates in the area. Homeowners can often tailor their insurance coverage to suit their needs, balancing the desired level of protection with the associated costs.  

Benefits of security systems for homeowners

 Security systems offer homeowners a multitude of benefits, making them a valuable investment. Some of the top benefits include: 

  • Crime deterrent – home security systems provide a strong deterrent to potential burglars and intruders, as the presence of visible security cameras and alarm systems creates a sense of risk for would-be criminals.  
  • Smart home capabilities – modern security systems often come with smart home integration, allowing homeowners to remotely monitor and control their home’s security from anywhere, providing peace of mind even when away.  
  • Discounts – having a security system can also lead to lower home insurance premiums, as insurance companies recognize the reduced risk and offer discounts to homeowners with these proactive measures in plac

Does a home security system lower insurance?

Many insurance companies understand the importance of home security systems and offer enticing discounts on home insurance premiums for homeowners who have such systems installed. These companies recognize that security systems act as a proactive measure, significantly reducing the risk of theft, vandalism, and other potential damages.  

By rewarding homeowners with lower premiums, insurance companies incentivize the implementation of security systems, ensuring a safer environment while providing financial benefits to policyholders.  

Some insurance companies that offer discounts to homeowners with security systems include:

  • Allstate
  • Liberty Mutual 
  • Progressive 
  • State Farm 
  • Farmers 

These companies understand the value of home security and reward responsible homeowners accordingly. 

Where to find the right security system for you

When searching for the best security system to protect your home, utilizing home insurance comparison sites can be a valuable resource. These websites allow you to compare various security system providers based on important factors such as installation (DIY vs Professional Install), features, pricing, and customer reviews.  

When you compare top home security systems, you can be sure that you’re purchasing the system that’s best for you and has all the features you need at a price you can afford. This enables you to enhance the safety and security of your home with confidence. 

How to secure the right home insurance policy

Since the price you pay for homeowners, insurance depends on a variety of factors (including what discounts you qualify for, like a home security system discount), the cheapest insurance company for you might be different than the cheapest one for your neighbor. This is why you should compare quotes from multiple different companies.  

When you are searching for the right home insurance policy that meets your needs, exploring home insurance comparison sites can be a valuable strategy. These websites specialize in comparing different insurance providers, thoroughly evaluating their coverage options and pricing.  

The online insurance comparison tool Rate Retriever specifically focuses on helping homeowners find the insurance company that offers the coverage they need at the lowest price for their unique needs. The tool will ask you for a couple pieces of information about you, your home, and the discounts you qualify for, then it will return a list of insurance companies and what you can expect to pay at each. Our favorite part about Rate Retriever – it’s totally secure! They won’t ask for your contact information, so the experience is completely private. 

Using sites like Rate Retriever will help you make an informed choice and secure the insurance coverage you need. 

Take control of your insurance costs: embrace the power of home security systems

Investing in a reliable security system not only keeps your property safe but also offers significant advantages. Security systems act as a strong deterrent to potential burglars, provide round-the-clock monitoring, and allow remote access for added convenience.  

Finding the right security system and insurance policy is simpler than ever before. By being proactive in protecting your home, you not only lower your insurance costs but also gain peace of mind, ensuring the safety of your loved ones. 

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Alyssa DiCrasto

Editor at SmarterHome 

Alyssa is a writer and editor who has spent her entire career making complex topics easy-to-understand through clear, unbiased writing. With a degree in Professional Writing and Information Design, she specializes in creating content about a variety of technical products and applications. Alyssa has been with Smarter Home since it’s beginning, helping develop our rigorous editorial policy. At the end of the day, she hopes she is able to help readers find the information they need to make the right security and smart home choices for them.

$38.99/mo for Pro Install* 

Requires 36-month monitoring contract starting at $38.99/mo. without QSP (24-month monitoring contract in California, total fees from $935.76) and minimum installation amount of $599 for professionally installed systems OR month-to-month monitoring contract for ADT Self Setup systems starting at $24.99 without QSP (one month minimum) and minimum purchase amount of $194.98.    Professional monitoring required for ADT to notify emergency contacts or services on your behalf. Service and installation charges vary depending on system configuration, equipment and services selected. For reactivations of professionally installed systems, a $99 test and inspect fee applies  . Upon early termination by Customer, ADT may charge 75% of the monthly service charges due for the balance of the initial contract term. Quality Service Plan (QSP) is ADT’s Extended Limited Warranty and is available for additional fee. Additional charges may apply in areas that require guard response service for municipal alarm verification. Professionally installed system remains property of ADT. Local permit fees may be required. Prices and offers subject to change and may vary by market. Additional taxes and fees may apply. Satisfactory credit required. A security deposit may be required. Simulated screen images and photos are for illustrative purposes only. For Self-Setup Systems, cancel by calling 888-392-2039 or by following the instructions in your order confirmation email. To avoid contract termination charges, cancellation must occur no later than 30 days after the contract date. Contract termination charges may be applied for cancellation after the initial 30-day period. Equipment must be fully removed and returned before a refund will be processed. Any shipping costs previously paid are non-refundable. Google and Nest Doorbell are trademarks of Google LLC. Some features, including mobile notifications, remote control, video streaming and video recording, require working internet and Wi-Fi. Minimum OS requirements are available at iOS is a trademark of Cisco and is used under license. Google Nest products and services featured are designed to make life easier and to build a helpful home and were not designed specifically for life-sustaining or safety-critical use cases. These products and services are compatible with the ADT Self Setup System, and depend upon working internet, Wi-Fi, and, in some cases, the service availability from ADT and/or Google. To learn more, please visit

6 Month Money-Back Guarantee*

Money-back guarantee only applies after ADT has made attempts to resolve a system-related issue and has not been able to resolve that issue within the first six (6) months of your original activation. ADT Money-Back Guarantee is not transferable. Equipment must be returned before a refund will be processed. Conditions preventing normal system operation cannot be caused by the customer. For professionally installed systems only.


Theft Protection Guarantee**

Customer may receive reimbursement of up to five hundred dollars ($500) of Customer’s homeowner’s insurance deductible (if any) if, and only if, ALL requirements for Theft Protection Guarantee are met to ADT’s reasonable satisfaction. Customer must request reimbursement within 60 days of property loss. Request must be mailed to ADT and include: Theft Protection Guarantee certificate signed by Customer, a letter from Customer requesting reimbursement, a copy of the police report, and a copy of the accepted insurance claim. ADT reserves the right to reject any application for reimbursement that does not comply with all of the requirements. For professionally installed systems only.