How Home Security Systems Affect Premium Calculations<\/strong><\/h2>\n\n\n\nHomeowners insurance companies are in the prediction business. They provide guarantees of financial assistance when needed in exchange for the regular payment of premiums. In order to turn a profit, the insurer must be able to accurately predict that they\u2019ll be able to collect more than they\u2019ll have to pay out to most policyholders. <\/p>\n\n\n\n
No one can tell the future, but underwriters get clues as to whether a policyholder is an acceptable risk. One such clue is ownership of a home security system. A good one can discourage burglars and vandals and provide early detection of suspicious activity, fire, and other costly risks. <\/p>\n\n\n\n
That\u2019s why most insurers offer varying insurance discounts for alarm systems. The better protection your system provides you and your family, the less likely that you\u2019ll have to file a significant claim for loss, damages, or the destruction of your house or possessions. And the most advanced technologies \u2014 those that offer the highest levels of protection \u2014 tend to earn the most generous home security system insurance discounts. <\/p>\n\n\n\n
Makes sense, right? But how much of an alarm system insurance discount can you expect? <\/p>\n\n\n\n
That depends on your insurer and the technologies your system includes. But the discount rate might range from a couple of percentage points to 15% or more off of your monthly premiums.\u00a0<\/p>\n\n\n
\n![\"\"](\"https:\/\/www.acceptanceinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2025\/04\/acceptance-the-connection-between-home-security-systems-and-insurance-discounts-2.jpg\")
<\/figure><\/div>\n\n\nTypes of Security Systems and Their Effects on Insurance Premiums<\/strong>\u00a0<\/h2>\n\n\n\nHome security systems keep your home safe while your family is away for spring break<\/a> or any other time with a range of components. The most basic element is the alarm. The loud noise scares away housebreakers and alerts residents if they\u2019re home, and even the neighbors. Burglars trigger this alarm when they break glass or open connected doors or windows while the alarm is set. <\/p>\n\n\n\nMore advanced systems include 24\/7 remote monitoring. This system will automatically notify the police of the disturbance unless the homeowner gives notification that the alarm was tripped accidentally. <\/p>\n\n\n\n
Even more advanced systems include motion detectors and surveillance cameras installed on the perimeter of the property. Lights will go on indoors or out if motion is detected. You may have heard about people who have been seriously sickened or worse from things like carbon monoxide poisoning so you can get a detector that alerts for that<\/a> and\/or smoke. Other useful protective elements include sprinkler systems. <\/p>\n\n\n\nToday\u2019s home security systems are tied to smart technology. That means you can get notifications and even camera views on your phone or laptop. You can set and disrupt alarms or alert local police even if you\u2019re in another state or country. <\/p>\n\n\n\n
Once again, the more advanced the system, the better protection your family and home will receive. That\u2019s why alarm system insurance discounts are so readily available. <\/p>\n\n\n\n
How to Choose a System That Satisfies Both Security and Savings Needs<\/strong>\u00a0<\/h2>\n\n\n\nGet help. Ask an expert. Your agent should be able to discuss your options and the alarm savings insurance discounts you can anticipate receiving for each choice. Then, crunch the numbers. <\/p>\n\n\n\n
Your family\u2019s assurance of safety and security is the primary consideration. The more advanced the system, the more you\u2019ll pay. But you\u2019ll likely receive a higher discount rate from a more advanced system \u2014 and your family might feel safer, too. <\/p>\n\n\n\n
If you\u2019re doing business with an independent homeowners insurance agent, you\u2019ll likely be able to find the insurer that offers the most significant discounts. That\u2019s because independent agents don\u2019t work for just one insurer. They represent the product lines of multiple carriers, so they can shop for the most competitive rates for the policy that works best for you.\u00a0<\/p>\n\n\n\n
Get a Quick Quote on Affordable Home Insurance From Acceptance<\/strong>\u00a0<\/h2>\n\n\n\nHome security and insurance rate discounts are worth exploring. Strike up a conversation with your independent Acceptance Insurance agent. You\u2019ll get answers to all of your questions and likely find the homeowners insurance option that offers the best discounts for the home security system you install. <\/p>\n\n\n\n
Your agent will also explain additional ways of saving money on your coverage, such as by bundling your auto and homeowners insurance<\/a>. <\/p>\n\n\n\nJust call us at (877) 405-7102<\/a>, or get a quick cost quote online<\/a>. You can also find an Acceptance Insurance office near you<\/a> for that worthwhile chat. <\/p>\n","protected":false},"excerpt":{"rendered":"It\u2019s well past midnight. Your family\u2019s on vacation a thousand miles away. As quiet as a whisper, the burglar chips the pane in a downstairs window just enough to snake his hand in to unlatch it from the inside. The scream of an alarm breaks the silence of the night. Lights go on up and […]<\/p>\n","protected":false},"author":8,"featured_media":1367,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[17],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/1364"}],"collection":[{"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=1364"}],"version-history":[{"count":3,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/1364\/revisions"}],"predecessor-version":[{"id":1369,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/1364\/revisions\/1369"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/media\/1367"}],"wp:attachment":[{"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=1364"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=1364"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=1364"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
<\/figure><\/div>\n\n\nTypes of Security Systems and Their Effects on Insurance Premiums<\/strong>\u00a0<\/h2>\n\n\n\nHome security systems keep your home safe while your family is away for spring break<\/a> or any other time with a range of components. The most basic element is the alarm. The loud noise scares away housebreakers and alerts residents if they\u2019re home, and even the neighbors. Burglars trigger this alarm when they break glass or open connected doors or windows while the alarm is set. <\/p>\n\n\n\nMore advanced systems include 24\/7 remote monitoring. This system will automatically notify the police of the disturbance unless the homeowner gives notification that the alarm was tripped accidentally. <\/p>\n\n\n\n
Even more advanced systems include motion detectors and surveillance cameras installed on the perimeter of the property. Lights will go on indoors or out if motion is detected. You may have heard about people who have been seriously sickened or worse from things like carbon monoxide poisoning so you can get a detector that alerts for that<\/a> and\/or smoke. Other useful protective elements include sprinkler systems. <\/p>\n\n\n\nToday\u2019s home security systems are tied to smart technology. That means you can get notifications and even camera views on your phone or laptop. You can set and disrupt alarms or alert local police even if you\u2019re in another state or country. <\/p>\n\n\n\n
Once again, the more advanced the system, the better protection your family and home will receive. That\u2019s why alarm system insurance discounts are so readily available. <\/p>\n\n\n\n
How to Choose a System That Satisfies Both Security and Savings Needs<\/strong>\u00a0<\/h2>\n\n\n\nGet help. Ask an expert. Your agent should be able to discuss your options and the alarm savings insurance discounts you can anticipate receiving for each choice. Then, crunch the numbers. <\/p>\n\n\n\n
Your family\u2019s assurance of safety and security is the primary consideration. The more advanced the system, the more you\u2019ll pay. But you\u2019ll likely receive a higher discount rate from a more advanced system \u2014 and your family might feel safer, too. <\/p>\n\n\n\n
If you\u2019re doing business with an independent homeowners insurance agent, you\u2019ll likely be able to find the insurer that offers the most significant discounts. That\u2019s because independent agents don\u2019t work for just one insurer. They represent the product lines of multiple carriers, so they can shop for the most competitive rates for the policy that works best for you.\u00a0<\/p>\n\n\n\n
Get a Quick Quote on Affordable Home Insurance From Acceptance<\/strong>\u00a0<\/h2>\n\n\n\nHome security and insurance rate discounts are worth exploring. Strike up a conversation with your independent Acceptance Insurance agent. You\u2019ll get answers to all of your questions and likely find the homeowners insurance option that offers the best discounts for the home security system you install. <\/p>\n\n\n\n
Your agent will also explain additional ways of saving money on your coverage, such as by bundling your auto and homeowners insurance<\/a>. <\/p>\n\n\n\nJust call us at (877) 405-7102<\/a>, or get a quick cost quote online<\/a>. You can also find an Acceptance Insurance office near you<\/a> for that worthwhile chat. <\/p>\n","protected":false},"excerpt":{"rendered":"It\u2019s well past midnight. Your family\u2019s on vacation a thousand miles away. As quiet as a whisper, the burglar chips the pane in a downstairs window just enough to snake his hand in to unlatch it from the inside. The scream of an alarm breaks the silence of the night. Lights go on up and […]<\/p>\n","protected":false},"author":8,"featured_media":1367,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[17],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/1364"}],"collection":[{"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=1364"}],"version-history":[{"count":3,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/1364\/revisions"}],"predecessor-version":[{"id":1369,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/1364\/revisions\/1369"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/media\/1367"}],"wp:attachment":[{"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=1364"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=1364"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=1364"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
More advanced systems include 24\/7 remote monitoring. This system will automatically notify the police of the disturbance unless the homeowner gives notification that the alarm was tripped accidentally. <\/p>\n\n\n\n
Even more advanced systems include motion detectors and surveillance cameras installed on the perimeter of the property. Lights will go on indoors or out if motion is detected. You may have heard about people who have been seriously sickened or worse from things like carbon monoxide poisoning so you can get a detector that alerts for that<\/a> and\/or smoke. Other useful protective elements include sprinkler systems. <\/p>\n\n\n\n Today\u2019s home security systems are tied to smart technology. That means you can get notifications and even camera views on your phone or laptop. You can set and disrupt alarms or alert local police even if you\u2019re in another state or country. <\/p>\n\n\n\n Once again, the more advanced the system, the better protection your family and home will receive. That\u2019s why alarm system insurance discounts are so readily available. <\/p>\n\n\n\n Get help. Ask an expert. Your agent should be able to discuss your options and the alarm savings insurance discounts you can anticipate receiving for each choice. Then, crunch the numbers. <\/p>\n\n\n\n Your family\u2019s assurance of safety and security is the primary consideration. The more advanced the system, the more you\u2019ll pay. But you\u2019ll likely receive a higher discount rate from a more advanced system \u2014 and your family might feel safer, too. <\/p>\n\n\n\n If you\u2019re doing business with an independent homeowners insurance agent, you\u2019ll likely be able to find the insurer that offers the most significant discounts. That\u2019s because independent agents don\u2019t work for just one insurer. They represent the product lines of multiple carriers, so they can shop for the most competitive rates for the policy that works best for you.\u00a0<\/p>\n\n\n\n Home security and insurance rate discounts are worth exploring. Strike up a conversation with your independent Acceptance Insurance agent. You\u2019ll get answers to all of your questions and likely find the homeowners insurance option that offers the best discounts for the home security system you install. <\/p>\n\n\n\n Your agent will also explain additional ways of saving money on your coverage, such as by bundling your auto and homeowners insurance<\/a>. <\/p>\n\n\n\n Just call us at (877) 405-7102<\/a>, or get a quick cost quote online<\/a>. You can also find an Acceptance Insurance office near you<\/a> for that worthwhile chat. <\/p>\n","protected":false},"excerpt":{"rendered":" It\u2019s well past midnight. Your family\u2019s on vacation a thousand miles away. As quiet as a whisper, the burglar chips the pane in a downstairs window just enough to snake his hand in to unlatch it from the inside. The scream of an alarm breaks the silence of the night. Lights go on up and […]<\/p>\n","protected":false},"author":8,"featured_media":1367,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[17],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/1364"}],"collection":[{"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=1364"}],"version-history":[{"count":3,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/1364\/revisions"}],"predecessor-version":[{"id":1369,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/1364\/revisions\/1369"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/media\/1367"}],"wp:attachment":[{"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=1364"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=1364"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=1364"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}How to Choose a System That Satisfies Both Security and Savings Needs<\/strong>\u00a0<\/h2>\n\n\n\n
Get a Quick Quote on Affordable Home Insurance From Acceptance<\/strong>\u00a0<\/h2>\n\n\n\n