When most people think of home security, they picture peace of mind — keeping their family safe, protecting valuables, and deterring intruders. But there's another major benefit that often goes overlooked: homeowners insurance savings.
Installing a modern, comprehensive security system doesn't just make your home safer — it can also make it cheaper to insure. Many insurance companies offer significant discounts to homeowners who invest in professional security systems, recognizing the reduced risk of theft, fire, and property damage.
1. Why Insurance Companies Reward Home Security
Insurance providers calculate premiums based on risk. The higher the likelihood of a claim (from theft, vandalism, or damage), the higher your insurance cost. A professional home security system lowers that risk in several ways:
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Deterring burglaries: Homes with visible alarms and cameras are far less likely to be targeted by intruders.
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Preventing extensive damage: Early detection of smoke, fire, or flooding through integrated sensors helps minimize loss.
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Rapid emergency response: Professionally monitored systems ensure authorities are alerted quickly, reducing potential claim amounts.
By cutting these risks, insurers often pass savings back to you — typically in the form of premium discounts ranging from 5% to 20%, depending on the features and provider.
2. What Counts as a "Comprehensive" System
Not all security setups qualify for insurance discounts. Basic motion sensors might not be enough. Insurers often look for systems that include:
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24/7 professional monitoring for burglary, fire, and environmental alerts
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Smoke and CO detectors linked to the monitoring center
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Smart home integrations that automate lights and locks to deter intruders
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Video verification to confirm emergencies quickly and reduce false alarms
Ackerman Security's monitored systems, for example, are designed to check all these boxes — offering complete protection that insurance carriers recognize as lower risk.
3. How to Maximize Your Savings
To make sure you're getting the most from your investment:
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Confirm eligibility: Contact your insurance provider to ask what systems qualify for a discount.
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Provide proof: Ask your security provider for a certificate of installation or monitoring statement — this documentation is required by most insurers.
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Bundle smart devices: Add monitored smoke detectors, flood sensors, or cameras to earn even greater savings.
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Review your policy regularly: Technology evolves quickly; updating your insurer about new smart features can unlock additional discounts.
4. The Long-Term Value of a Secure Home
Beyond insurance savings, a comprehensive home security system pays off in other ways:
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Increased property value thanks to smart-home technology integration
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Lower maintenance and repair costs due to early detection of problems
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Greater peace of mind knowing your family and home are protected 24/7
Over time, the savings on insurance premiums combined with potential loss prevention can offset — and often exceed — the cost of installation and monitoring.
Protect and Save with Ackerman Security
At Ackerman Security, we make it simple to protect your home while keeping your costs down. Our state-of-the-art systems are professionally monitored by a TMA Five Diamond Certified center, ensuring the fastest possible response when you need it most.
Whether you're in Atlanta or anywhere in Georgia, we'll help you design a solution that improves security, enhances convenience, and could reduce your homeowners insurance premiums.
Contact us today to schedule a consultation and start saving while protecting what matters most.
Call Ackerman Security at 800.552.1111.
