Table of Content
- It's easy to get a free quote for home insurance from Travelers in just a few minutes.
- What is the cost of the security system for your home save on insurance?
- How Does Having a Security System Can Reduce Home Insurance Costs?
- Gated community, association, or neighborhood watch discounts
- Does alarm make home insurance cheaper?
- Is My Home’s Insurance Going To Help If Someone Gets Hurt At My House?
- Is Your Home Insured to Its Replacement Cost?
Although the device needs to be connected to existing wiring, it features an IP65 Weatherproof rating, making it an option for outdoor surveillance, no matter the weather or temperature. As a bonus, the camera is compatible with Alexa and Google Assistant, but it does require a 2.4GHz WiFi network. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Our experts have been helping you master your money for over four decades.

Given that homeowners insurance can cost from hundreds to several thousands of dollars annually, home insurance discounts for security systems could save you substantial money over time. Most major insurance providers offer a homeowners insurance discount for security system installation. To understand why these companies might offer a security system home insurance discount, it’s helpful to understand how homeowners insurance works. You also need to work with a home security service provider that will help you choose a system that qualifies for that discount.
It's easy to get a free quote for home insurance from Travelers in just a few minutes.
Most insurance companies will give you a 2% to 5% discount on your premiums if you install a home security system, but some insurers will give you a 15% discount. A third-party security company maintains security systems are often eligible for discounts from most insurance providers. You will also find tips to save on homeowners insurance premiums, so keep reading. It’s worth noting that renters insurance providers offer this type of discount as well. Great for home or business, Arlo also offers flexibility in its video cameras with either a wired or wireless option.
This affordable system is easy to install and includes features like 24/7 monitoring, environmental monitoring, and a host of custom rules and automations to automate your system. We also really liked Frontpoint’s web-based dashboard, which you can read more about in our in-depth Frontpoint review. That’s why we created this resource on home security and home insurance discounts. Aside from deterring would-be burglars, your home security system may also provide fire and smoke protection.
What is the cost of the security system for your home save on insurance?
Loss due to theft is generally included as part of the personal property protection. This means that if an intruder breaks in and steals valuables from your home or detached structures, your home insurance should cover it. You get a $100 credit for six to 11 months of service, and a $249 credit for 12 to 23 months of service.

The aluminum design receives an IP66 waterproof rating, so it’s safe for the elements. Plus, there’s an easy Wi-Fi and wireless setup, so you don’t have to be tech-savvy to get the camera up and running. It makes it a great fit for those who are newer to home security and appreciate a simpler setup.
How Does Having a Security System Can Reduce Home Insurance Costs?
The Wansview Q5 is a Wi-Fi-enabled live IP camera with 1080P HD picture that is advertised to suit a whole host of purposes, such as a baby, pet or nanny cam. There is a motion detector with a built-in microphone, 2-way audio, and night vision, plus the system works with Alexa to offer voice command and storage is through the Cloud. There are 4 different IR LEDs that offer images even in complete darkness for up to 5 meters without light pollution. However, the Wansview Q5 is only compatible with 2.4G Wi-Fi, so 5G users may want to consider a different product.

The tinyCam Monitor is a free download that uses remote surveillance to control up to 16 cameras with four cameras managed simultaneously. The system can work through private or public networks, IP cameras, video encoders and DVRs. You can control what you record through digital video recordings that integrate with Fire TV and Google Chromecast. Your next-door neighbors can be your best home security system because they will most likely notice if something is amiss.
Gated community, association, or neighborhood watch discounts
If you already have home insurance, you don't have to wait to renew your policy to get discounts. Contact your home insurance company and provide them documentation of any upgrades that could lower your rates. This is done with a monthly subscription to a monitoring service combined with an advanced set of sensors and/or cameras. When a burglar triggers the alarm, the monitoring company and emergency services are notified and dispatched to your home. And, the mere presence of a burglar alarm can save you money on your insurance policy. If you’re anything like us, you’re probably searching for ways to save on your homeowner’s insurance.
Submit claims, check status of disability or leave, and see payments. Available to customers who have purchased their home within 12 months prior to the policy effective date. Made for hinged doors, this door lock can be added to traditional doors as an extra layer of security to ensure that no one can enter unless you allow it. No one likes creaky doors, especially criminals, so the louder you make your entryways, the less likely it is that robbers will continue into your property.
Fire, smoke, and environmental sensors and monitoring are also available. To learn more about SimpliSafe, one of our favorite picks, see our comprehensive SimpliSafe review. Deadbolts are one of the most cost-effective ways to improve your home’s security while potentially qualifying you for a homeowners insurance discount.

See how you may be able to save money on your homeowners policy if you bundle multiple policies, install smart home technology or have a ‘green’ home. The ZOSI C190 Wireless Outdoor Security Camera is one smart camera offering two-way audio, motion alerts, smart 12-piece lights, a high-pitch 85 dB alarm, and color night vision for up to 80 feet. This camera does require connecting to the power supply, but features an IP67 Waterproof design and supports SD Card Storage. Most impressively, Zosi features smart technology that utilizes AI for human detection. That means your camera can recognize body shapes and face patterns, triggering automatic motion alerts when necessary, so you don’t get bogged down by animals, leaves, or birds. While these technological advances are great, combing through the options to choose the best home security system can feel like a big undertaking.
Professional Monitoring – Most insurance companies require that the system be professionally-monitored to get a discount. Now, if you’re looking for a professionally installed system with the best monitoring, we recommend checking out Vivint smart home security. The exact discount that you’ll receive on your home insurance premium varies depending on several factors and features discussed below.
Also available are smart doorbells and the Pro 3 Floodlight Camera for super-bright exterior lighting that’s all controlled by the easy-to-use mobile app. The eufy security Floodlight Camera E offers 2k surveillance with live stream and recorded video capabilities. With built-in AI features to detect body shape, you will only be alerted when a person approaches the camera, and you can trigger a loud 100dB siren or utilize 2-way audio when necessary. The main feature is the 2,000-lumen motion-activated flood lights that illuminate the entire viewing area, alerting you to any intruders and ensuring a crisp full-color recording.