A security discount reduces your homeowner insurance premium when you have a monitored security system, fire alarm, or smart home devices installed. The discount typically ranges from 5% to 20% depending on the system type and your insurance carrier.
Modern smart devices like video doorbells, smart smoke detectors, and water leak sensors may also qualify for discounts. Ask your insurance agent what specific devices they recognize.
Typical Discount Range: 5% to 20%
The discount amount depends on the type of system you have and how comprehensive it is. Here is what most Texas insurers offer.
- Monitored burglar alarm: 5% to 10% discount on the total premium
- Monitored fire and smoke alarm: 5% to 10% discount
- Dual monitoring (burglar + fire): 10% to 20% combined discount
- Sprinkler system: Additional discount, especially in wildfire-prone areas
- Deadbolt locks and window locks: Smaller discount, often bundled with other security features
Smart Devices That Qualify
Technology has changed what qualifies for security discounts. Many insurers now offer savings for modern smart home devices.
- Video doorbells (Ring, Nest, Eufy) that deter package theft and burglary
- Smart smoke and CO detectors that send alerts to your phone
- Water leak sensors that detect and alert you to plumbing leaks before they cause major damage
- Smart thermostats that can shut off HVAC systems if a fire is detected
- Not all devices qualify with all insurers, so ask your agent about specific brands and models
