When homeowners think about installing a security system, safety and peace of mind are usually the top priorities. However, one major benefit often goes overlooked—potential savings on your homeowners insurance. That’s right—investing in a quality alarm system can not only protect your property but also reduce your insurance costs.
Why Insurance Companies Offer Discounts
Insurance providers assess risk when determining your premiums. A home with a security system is statistically less likely to be burglarized or suffer major losses, meaning fewer claims. As a result, many insurance companies reward homeowners who take extra precautions by offering discounts ranging from 5% to 20% on their premiums.
What Types of Systems Qualify
Not all systems qualify for discounts. Insurers typically prefer professionally monitored systems—those that alert authorities automatically in the event of a break-in, fire, or carbon monoxide leak. Smart systems with 24/7 monitoring and real-time alerts are especially appealing, as they demonstrate active prevention and quick response capability.
Other Factors That Influence Discounts
Your potential savings can depend on:
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Type of coverage and insurer – Some companies have specific partnerships or preferred system providers.
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Level of protection – Systems with video verification, fire alarms, and environmental monitoring often receive higher discounts.
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Documentation – You may need to provide a certificate of installation or monitoring from your security provider (Catawba Security offers this upon request).
More Than Just Savings
While lower insurance premiums are a nice bonus, the real value of a home security system lies in the protection of your family, belongings, and peace of mind. You can’t put a price on that kind of security.
If you’re considering installing or upgrading your home alarm system, reach out to Catawba Security—we’ll help you choose a system that not only keeps your home safe but could also help you save on insurance.
