Will a Home Security System Decrease My Insurance?

If you have a home security system installed in your home, you will be able to decrease your insurance by up to 20 percent from what you pay now. How much it will decrease, if it does at all, will depend on your insurance company, your plan, and your home security system.

The best way to know whether or not a security system will decrease your insurance will be to contact your home insurance company. If you have flood insurance, specialty car insurance, or you have various items in your home insured as well, you might want to check to see if a home security system will decrease those insurance rates as well.

For more information about a home security system from Blue by ADT that you can install in various parts of your home and protect the things that mean the most to you, CLICK HERE.

Why Do Home Security Systems Decrease Insurance?

In the United States alone, a burglary occurs every 15 seconds. As more and more homes are starting to get security systems, not having one makes you a sitting duck. Homes without security systems are three times more likely to be burglarized than those that do have security systems.

Insurance companies know that having a professionally monitored security system, like one from Blue by ADT, adds layers and layers of protection to your home. Not only does it create a safety net from the outside, it creates many layers of safety on the inside as well. Blue by ADT security systems protect your family in the case of fire, flood, carbon monoxide, and other natural disasters.

Having a security system like an alarm you can buy at a big box store is a good step, but many insurance companies don’t think this is enough to warrant a decrease in your rate. They want to see professional equipment with a professional team to back it up.

So why the decrease? With a home security system, it is less likely that you will file a claim with your insurance company and if you do, it is likely to be a lot less. As a result, your insurance company will save money.

My Insurance Company Doesn’t Decrease My Insurance

If your insurance company doesn’t decrease your rate when you get a security system, you may want to shop around for another insurance company instead of forgoing the system. You want to protect your family, no matter what. With so many options out there for security systems, including ones that are less than $7 per week or no-contract security plans, you will be able to balance everything out.

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