With The Hartford, simple changes like adding burglar alarms or security systems can get you home insurance discounts.
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Key Takeaways
- Home insurance providers usually offer a discount if you have certain security systems in your home, as it helps lower the risk of theft and burglary claims.
- The Hartford rewards AARP members who safeguard their home, offering competitive rates and home insurance discounts for having security systems and other home safety devices.
- Having monitored home safety systems helps lower home insurance costs and allows you to enjoy your home with confidence, knowing you’re protected.
Can You Get a Home Insurance Discount for Security Systems?
Home insurance companies often provide home insurance discounts if you have a security system installed in your house, as it can help lower theft and burglary claims. At The Hartford, simply adding burglar alarms or other security systems can unlock a home insurance discount.
Lower Your Risk and Save Money With a Home Security System
In 2024, there were approximately 750,000 burglaries in the United States.2 To decrease your chances of a break-in at your house, consider installing home security devices and monitoring systems like burglar alarms and deadbolt locks.
These are not only important for protecting your home, they can also get you a discount on your homeowners insurance. Installing other safety systems like security cameras, motion detectors and smart locks can also help you save on insurance rates, depending on your provider. Not to mention, these devices can help give you peace of mind knowing your home is secure.
However, the Insurance Information Institute (III) recommends checking with your insurance provider before you install these systems. They can be very expensive, and you’ll want to make sure the discount is worth it.3
To see how much you can save on insurance costs, get a home insurance quote from The Hartford today.
Which Home Security Systems Qualify for Insurance Discounts?
With AARP® Home Insurance from The Hartford,1 you can save on your home insurance by installing:
Monitored security systems: When you install burglar alarms, they’ll link back to a monitoring center. This company notifies the authorities if your alarm is set off. They’ll likely also charge monthly monitoring fees.
Smoke detectors: If you install monitored fire alarms or smoke detectors, you can get a home insurance discount from The Hartford. If you’re shopping for a new one, consider the pros and cons of a hard-wired versus battery-powered detector.
Other safety devices: Having other safety devices, like a fire sprinkler system, can help you save on home insurance from The Hartford.
Keep in mind, available discounts and amounts may change depending on the insurance carrier and your unique policy.
Do Insurers Offer Discounts for Security Systems?
If you install security devices, you’re less likely to experience a home break-in. It is estimated that 60% of burglars change their mind when they see an alarm setup in a home.4 This means that you’re less likely to file insurance claims.
Does Having a Home Security System Reduce Homeowners Insurance With The Hartford?
AARP Home Insurance from The Hartford offers numerous home insurance discounts, including savings if you install a qualified home security system. To learn more about other benefits that can help you reduce home insurance costs, call The Hartford at 877-422-2345.
Frequently Asked Questions About a Security System Insurance Discount
How Much Does a Security System Save on Homeowners Insurance?
How much you’ll save on your homeowners insurance by installing a security system is based on personal factors, like what type of device you install and what your specific carrier offers. While there is no one-size-fits-all answer, The Hartford is here to get you the best AARP member price possible at 877-422-2345.
Does a Security System Need To Be Professionally Installed To Qualify for a Discount?
No, a security system doesn’t need to be professionally installed to qualify for a discount, but it needs to meet certain criteria and operate as expected. To learn more about your discount requirements, contact your insurance company.
What Other Home Safety Discounts Does The Hartford Offer?
If you install other home safety devices like fire sprinkler systems or monitored alarms, you could get a home insurance discount from The Hartford. Also, the longer you've been a claim-free policyholder with The Hartford and maintain a safe home, the more you can save on your home insurance costs in the event of a claim with Disappearing Property Deductible.‡‡
** Average annual savings are based on information reported by customers who switched to The Hartford’s newest rate plan between 9/1/24 and 8/31/25. Average auto insurance savings $597 and average home insurance savings $366. Your savings may vary. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
§§ Terms and conditions apply.
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
‡‡ Terms and conditions apply. Availability varies by state.
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
Additional disclosures below.