Home Security Discounts on Home Insurance
Updated March 2026 · Silent Security Research Team
Home security isn't just about protecting your family — it can also protect your wallet. Homeowners insurance companies offer significant discounts for verified security measures. The savings can offset the cost of a security system in just a few years.
Which Security Features Earn Discounts?
| Security Feature | Typical Discount | Notes |
|---|---|---|
| Professionally monitored alarm system | 5–20% | Central monitoring (not self-monitored) usually required |
| Smoke & fire alarm system (monitored) | 5–10% | Interconnected hardwired alarms earn more than battery |
| Deadbolt locks on all exterior doors | 2–5% | Often a standard requirement for coverage anyway |
| Sprinkler system (indoor fire suppression) | 5–15% | Whole-home system, not a standalone unit |
| Smart lock / video doorbell | 1–3% | Emerging category; not all insurers offer this yet |
| Gated community / security guard | 5–10% | Applies to HOA-managed communities |
| Home monitoring service (water, gas) | 2–5% | Water leak sensors can prevent major claims |
| Impact-resistant roof (hurricane zones) | Up to 35% | Wind/storm discounts for qualifying roof materials |
Discounts by Major Insurance Company
State Farm
Up to 15% for burglar alarm, 10% for fire alarm. Accepts ADT, SimpliSafe, Ring Alarm (with professional monitoring). Submit UL-listed certification.
Allstate
4–15% for alarm systems; additional discount for smart home devices through their Connected Home program. App-based verification available.
Liberty Mutual
Up to 20% for central station monitoring. Also discounts for fire-resistant construction and new home purchases.
Nationwide
Credit for protective devices including burglar alarm, smoke detector, fire extinguisher, and deadbolts. Submit proof of installation.
USAA (Military)
Alarm system discounts for members. USAA has above-average customer satisfaction; always worth comparing if you qualify.
Lemonade
Smart home tech-forward insurer. Offers discounts for connected devices and may ask about security during quote. Lower base rates for many urban properties.
How to Claim Your Security Discounts
Get Proof of Installation
For a professionally monitored system: get a certificate of installation or UL listing certificate from your monitoring company (ADT, Vivint, SimpliSafe, etc.). Most provide this automatically when you sign up.
Call Your Insurance Agent
Contact your insurer and specifically ask about "protective device discounts" or "home security discounts." Have your certificate ready. This is not automatic — you have to ask for it and submit documentation.
Compare Quotes with Security Included
If you're shopping for insurance, get multiple quotes and include your security features in each application. The discount varies significantly by insurer — one company may give 5% while another gives 20% for the same system.