Will a Home Security System Lower My Homeowners Insurance in Pennsylvania

Short answer is yes. Longer answer is that it depends on your insurance company and what kind of system you have, but in almost every case a professionally monitored security system will get you a discount on your homeowners insurance premium in Pennsylvania.

I bring this up with almost every customer I talk to because a lot of people genuinely do not know about it. They think about the monthly monitoring cost and kind of stop there. But when you factor in what you are saving on insurance the actual out of pocket cost of having ADT is a lot lower than most people expect.

How Much Can You Actually Save

Most Pennsylvania insurance providers offer somewhere between 5 and 20 percent off your homeowners insurance premium when you have a professionally monitored security system installed. That is not a small number. Depending on what you are paying for insurance right now that discount could be anywhere from a few dollars a month to well over fifty dollars a month.

I have had customers everywhere between Springfield and Bristol tell me their insurance savings basically covered half their monthly monitoring cost. One customer in Warrington told me his Erie Insurance discount was so significant that he almost broke even on the whole thing. That is not guaranteed obviously, every policy is different, but it happens more often than people think.

Why Insurance Companies Give This Discount

Insurance companies are in the business of calculating risk. A home with a professionally monitored security system is statistically less likely to be broken into, and if something does happen the response time is faster which usually means less damage and a smaller claim. Less risk for them means less cost for you. It is pretty simple math from their perspective.

The key word here is professionally monitored. A DIY camera system you bought at Costco probably will not get you the same discount. Insurance companies want to see that someone is actively watching your home 24 hours a day and that emergency services will be dispatched automatically if something triggers. That is what ADT provides.

What You Need to Do to Get the Discount

After your system is installed call your insurance company and let them know. Tell them you have a professionally monitored ADT security system installed by a licensed technician. They will ask for documentation or a certificate of installation. ADT provides that. Then your insurance company adjusts your premium.

It is genuinely that straightforward. Some people do forget to make that call and end up leaving money on the table for years so once your system is installed, MAKE THE CALL!.

Which Insurance Companies Offer This in Pennsylvania

Most of the major ones do. State Farm, Allstate, Erie Insurance, Nationwide, Travelers. Erie is particularly popular in Bucks County and they have historically offered solid discounts for monitored systems. I suggest you just call their agent and ask directly. Every policy is a little different so I cannot give you an exact number, but the discount is almost always there.

If you want to get set up with ADT and start saving on your insurance, give me a call. I am local, I know Bucks County, and I can get you installed same day or next day with free equipment that you will love, will take worries from your mind and add some extra ease to your life with smart features like automatically adjusting your lights before you get home at night. 215-872-7473.