The Role of Home Security in Lowering Homeowners Insurance Costs

27 September 2025

Owning a home is one of life’s greatest investments, but it also comes with responsibilities—like making sure it’s protected from potential risks. If you've ever glanced at your homeowners insurance bill and thought, "Why is this so expensive?", you're not alone! But here’s the good news: you can actively lower your insurance costs by beefing up your home security.

Yes, you read that right. Insurance companies love a well-secured house because it means fewer claims. And fewer claims mean lower premiums for you. So, let’s dive into how home security plays a crucial role in trimming down your homeowners insurance costs.

Why Do Insurance Companies Care About Home Security?

Insurance companies aren't in the business of losing money. They assess risk before setting your premium, and if your home is more secure, it’s less of a risk. A home loaded with security features like alarms, surveillance cameras, and deadbolt locks is far less likely to be burglarized or damaged. That translates to fewer claims, which makes insurers more willing to give you a break on your rates.

Think of it like car insurance—if you drive safely and install features like anti-theft devices, insurers reward you with lower premiums. The same logic applies to your home!

How Home Security Helps Reduce Insurance Costs

Now, let’s break down the specific ways home security can help you save money on your homeowners insurance.

1. Burglar Alarms: The Sound That Saves You Money

A high-decibel alarm system does more than scare off potential intruders—it also makes your insurance provider breathe a sigh of relief. Many insurers offer discounts for monitored alarm systems because they significantly reduce the chances of a break-in.

Even a basic alarm system can qualify you for savings, but if your system is monitored by a professional security company, the discounts are usually even better.

2. Surveillance Cameras: An Extra Set of Eyes

Security cameras don’t just help catch porch pirates red-handed; they also deter would-be burglars from even attempting a break-in. Insurers recognize this and often reward homeowners who install surveillance systems.

Bonus tip: Some insurance companies provide bigger discounts if your security cameras are connected to a 24/7 monitoring service.

3. Smart Locks: Because Keys Are So Last Century

Traditional locks can be picked, but smart locks? Not so easily. These locks enhance security by allowing you to control who enters your home from anywhere. Some models even send real-time notifications if someone tampers with them.

Since insurance companies love anything that reduces unauthorized access, smart locks might earn you a small insurance discount. Plus, they’re ridiculously convenient—no more losing keys!

4. Smoke & Carbon Monoxide Detectors: Saving Lives & Money

Fire and carbon monoxide risks can have catastrophic consequences, which is why insurance providers encourage homeowners to install alarms that detect these dangers early.

Many insurers offer discounts for homes equipped with smoke detectors and carbon monoxide alarms—especially if they’re hardwired into a monitoring system.

5. Security Lighting: A Bright Idea for Lower Premiums

A well-lit home is far less appealing to burglars than a dark, shadowy one. Motion-sensing security lights around your property can deter criminals and make your home a safer place.

While security lighting alone may not result in a huge insurance discount, when combined with other security measures, it certainly improves your home’s overall safety score.

6. Reinforced Doors and Windows: Keeping Trouble Out

Weak doors and flimsy windows are an open invitation for burglars. But swap them out for reinforced doors and impact-resistant windows, and suddenly, breaking in becomes a lot harder.

Many insurance companies recognize the added security and will knock a little off your premium if you make these structural upgrades.

How Much Can You Save on Home Insurance?

So, what kind of discount are we talking about? While the exact savings depend on your provider and location, here’s a rough breakdown:

- Basic home security systems – Save 5-10% on premiums
- Monitored security systems – Save 15-20%
- Smart home security (alarm, cameras, smart locks) – Save up to 25%
- Fire and CO2 monitoring systems – Save 5-10%

These discounts may not look massive at first, but when you add them up, you could potentially save hundreds of dollars per year on insurance!

Tips for Maximizing Your Insurance Discounts

Alright, now that we know home security can lead to substantial savings, how can you ensure you're getting the best possible discount?

1. Confirm with Your Insurance Provider

Before installing a security system, check with your insurance company to see which systems qualify for discounts. Some insurers require professional installation or a specific level of monitoring.

2. Invest in a Monitored Security System

While DIY systems are great, insurers typically offer bigger discounts for professionally monitored systems. Having a security company watch over your home 24/7 gives insurance providers extra peace of mind.

3. Bundle Security Features

One security measure alone won't maximize your savings, but layering alarms, cameras, smart locks, and smoke detectors will give you the best bang for your buck.

4. Keep Your System Updated

Technology evolves quickly. Make sure your security system is up to date and functioning properly. An outdated, non-functioning system won’t qualify for discounts.

5. Provide Proof

Most insurance companies require proof of your security system before applying a discount. Keep your installation receipts and monitoring service details handy.

Conclusion

Home security isn't just about keeping burglars away—it’s also a powerful way to slash your homeowners insurance costs. By investing in alarms, cameras, smart locks, and other security upgrades, you not only make your home safer but also put extra cash back in your pocket.

So, if your insurance premium seems a bit too high, consider tightening your home’s security. A little upfront investment today can lead to major savings (and peace of mind) in the long run!