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How Can I Save Money on My Homeowner's Insurance With Home Security? - ADT FAQ

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How Can I Save Money on My Homeowner's Insurance With Home Security?

A home security system can do more than help protect your home and family from a burglary. It may also help you save money on your homeowners insurance, which can make the investment that much more valuable.

How Much Money Can You Save

Home security equipment and services offer different types of discounts on your homeowners insurance. According to the Insurance Information Institute, if you install a smoke detector, burglar alarm, or dead-bolt locks, your insurance company may reduce your premium by at least 5 percent. If you install a sophisticated sprinkler system and monitored fire or burglar alarms, some companies may reduce your premium by up to 15 or 20 percent. Contact your insurance company to see what savings you might be eligible for if you install a home security system.

Why Home Security Can Save You Money

A home security system can reduce your risk of a burglary, as 9 out of 10 burglars will avoid a house protected by a security system. If you have a home security system installed, it reduces the likelihood that the insurance company has to cover any losses in the case of a burglary. According to a 2005 FBI report, the average cost of a burglary is $1,725, and some, if not all, of that cost is the responsibility of the insurance company. Therefore, your insurance company may reduce your premium because of your choice to use a security system to help protect your home.

How to Approach Your Insurance Company

When you install an ADT monitored home security system, you will receive a certificate as proof of ownership of the security system to give to your insurance company. This way, your insurance company knows that the security system you claim is in fact installed in your home without having to send an inspector.

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