Home Security Systems Save You Money on Insurance

The Insurance Discount Reality

Security systems lower your homeowners insurance by 5-20% depending on the system type.

Example: $2,400/year premium × 15% discount = $360/year savings

Over 10 years: $3,600 saved

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Discount Tiers

Basic Alarm System: 5-10% discount

• Local alarms only
• Door/window sensors
• No monitoring

Monitored System: 10-15% discount

• 24/7 professional monitoring
• Auto emergency dispatch
• UL-certified

Comprehensive Smart Security: 15-20% discount

• Professional monitoring
• Fire/smoke detection
• Water leak sensors
• Video verification

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What Insurers Want to See

• ✅ 24/7 professional monitoring (biggest requirement)
• ✅ UL-listed or FM-approved components
• ✅ Burglar alarm + motion detectors
• ✅ Fire/smoke detection
• ✅ Proper documentation & certification

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The Math

• Average burglary loss: $2,661
• Undetected water damage: $10,000+
• Insurance discount pays for system within 3-5 years
• Everything after that is profit

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Maximize Your Savings

1. Call your insurance agent first (ask about discounts before installing)
2. Choose qualifying equipment (UL-certified, professional monitoring)
3. Keep system active (discount requires active monitoring)
4. Provide documentation (give insurer proof of installation)

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Beyond Discounts

Avoid costs:

• Theft losses
• Fire damage
• Water damage (most costly claim)
• Temporary housing costs

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Need home security in Round Rock? Get free quote | (512) 354-7119

Blooming Happy Living — Round Rock’s home security experts.