Will security cameras lower insurance?

If you are a homeowner trying to reduce your bills, you are probably interested in the question, "Will security cameras lower insurance?"

Home Insurance

Unfortunately, in most cases, the insurance companies don't lower your insurance because you have a security system in place; however, there are some exceptions to this rule. Sometimes, you can get a discount for having such a system.

If you have an active monitoring service, you may qualify for a discount in your home insurance policy, so perhaps it is worth considering.

How to lower your home insurance

If you have an active monitoring service, you may qualify for a discount in your home insurance policy, so perhaps it is worth considering.

Insurance companies want to have as little risk as possible, so they offer a premium discount for customers with alarm and security cameras monitored by companies such as ADT, Vivint, or Cove.

Depending on the monitoring service costs, you may end up have your insurance discount covering the cost of alarm installation and monthly fees. 

Can I install security cameras to lower the insurance?

I believe you may be considering installing security cameras yourself and avoid the monthly monitoring fees, right?

I'm sorry to say that this strategy does not work most of the time.

Insurance companies prefer to have an active monitoring system in place, offered by ADT, Vivint, and other companies that monitor your home 24/7.

Although you will probably not get a discount for your home insurance by installing security cameras, you can have them use the footage as evidence in case of break-in and other types of incidents that require proof.

So, it's still a good idea to have some security cameras installed in your home.

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