Can you save on home insurance with a security system?

Many insurers, including Progressive, provide discounts if you have installed specific security devices in your home such as anti-theft and safety devices, including monitored smoke detectors.

3 minute to read

Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.

How much can you save on homeowners insurance with a security alarm?

The amount of your discount, if any, varies by insurer. While the home security insurance discount for installing a security system typically won't cover the cost of the system itself, the peace of mind and sense of protection for you and your family may be worth the cost.

What types of security devices can help lower your homeowners insurance rate?

You may receive a protective devices discount for a variety of safety and anti-theft devices, including:

  • Security systems with cameras and sensors: Many security systems on the market today have both DIY and professional monitoring options. Many insurers will offer discounts for video surveillance cameras and home security systems equipped with an alarm, door and window sensors, and motion sensors. These devices are designed to help deter potential criminals and alert you (and your neighbors) of an intrusion.
  • Smoke detectors and fire alarms: While many insurance companies require smoke detectors to qualify for a policy, having monitored smoke detectors may make you eligible for a fire alarm credit on your homeowners insurance.
  • Sprinkler systems: Installing a sprinkler system may provide extra savings.

Pro tip:

Install a DIY state-of-the-art home security system that can monitor your home 24/7 with Progressive Home Security by SimpliSafe. You can buy it online without committing to a long-term contract.

Besides theft, what other benefit does a home security system offer?

In a study funded by the Alarm Industry Research and Educational Foundation (AIREF), researchers found that 60% of survey respondents (who were convicted burglars) said they would seek an alternative target if they could determine that an alarm system was present before attempting a burglary.

Outside of protecting your home from potential thieves, your home security system may also offer:

  • Sprinkler systems: This can help contain a fire by dowsing flames and preventing or slowing their spread. A monitored smoke alarm can protect your home by alerting you when the smoke detector goes off when you're away.
  • Water sensors: These detect leaks before they worsen or warn you of a malfunctioning HVAC system.
  • Protection against liability claims: If something unfortunate occurs on your property and you shoulder the blame, security camera footage might resolve the dilemma or provide evidence of what really occurred.

Other ways to lower your homeowners insurance rate

There are other steps you can take to help keep your rate cheap while securing the right amount of protection. Check with your insurer for what home insurance discounts are available, find out ways to help lower home insurance and consider what coverages you might need.

Staying on top of important maintenance and safety for your home can also help prevent loss. For example, if you're planning to replace your roof and you communicate the details to your insurer after it's completed, your rate may go down. Learn more about home insurance costs and savings tips.

Quote homeowners insurance online or call for advice

Learn more about home insurance policies.

Have more questions? Browse articles by insurance type

See all articles by product

Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.

THE #1 INSURANCE WEBSITE

Copyright 1995 - 2026. Progressive Casualty Insurance Company. All Rights Reserved.

We offer insurance by phone, online and through independent agents. Prices vary based on how you buy.

ΔAverage savings based on 6-month term and not available in all states.

Insurance carrier website ranking by Keynova Group – Q4 2024 Online Insurance Scorecard.

Progressive Home® policies are placed through Progressive Advantage Agency, Inc. with insurers affiliated with Progressive and with unaffiliated insurers. Each insurer is solely responsible for the claims on its policies and pays PAA for policies sold. Prices, coverages, and privacy policies vary among these insurers, who may share information about you with us. PAA's compensation from these insurers may vary between the insurers and based on the policy you buy, sales volume and/or profitability of policies sold. See a list of all the insurers that write Progressive Home policies, or contact us for more details.