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September 08, 2026

Will A Home Security System Decrease Insurance Rates In Chico?

You bet! The majority of insurance companies offer discounts for home security systems in Chico, typically ranging from 5-20% depending on several different factors. Discounts vary significantly based on the kind of system you install, the insurance company, and your location. See how to maximize your savings while giving your family exceptional protection

Why Do Insurers Offer Home Security Discounts?

Alarm systems lower the risk of theft, which means there’s a lower chance the insurer will have to pay a covered claim. When you have monitored CO detectors, fire alarms, and flood sensors connected to your security system, the risk of damage caused by fires and flooding goes down as well. You help the insurer by minimizing their exposure to claims. For this reason, they’re willing to give you a price savings.

What Chico Home Security Systems Qualify For The Biggest Discount?

It makes sense that you want to save as much as you can. Here’s how to do it:

  • Get a monitored system. A monitored system is best for your family, and it’s typically required by insurers to be eligible for a discount. Get the added protection you need and save money to boot.

  • Add monitored safety equipment. Chances are you’ll enjoy a larger discount by reducing the risk of damage from fires, flooding, and carbon monoxide leaks. Getting your smoke alarms, CO detectors, and water sensors professionally monitored also provides your family an essential backup during emergency situations.

  • Install a comprehensive system. Choosing a full-featured defense with outdoor and indoor cameras, contact sensors, motion sensors, smart locks, and more, will be seen positively by the insurer and likely lead to a bigger discount.

Setting up a video camera by itself won’t instantly get you a discount. Keep in mind that your system needs to be monitored. 

Tips For Getting Your Home Security Insurance Discount In Chico

The first step to lowering your premiums is to reach out to the insurance company after you install your home security system. They’ll likely want to view documentation such as a certificate of installation or a monitoring contract. Reputable home security firms like ADT often work with insurers and can assist with the required documentation.

ADT Systems Meet The Requirements For Insurance Discounts

Get the best protection for your home and enjoy an insurance discount with an ADT home security system in Chico. Backed by the most extensive monitoring network in the nation, ADT provides unmatched 24/7 professional monitoring. You’ll also benefit from multi-layered systems with video surveillance, smart locks, safety alarms, and more.

How Much Could You Save? Design Your New ADT System In Chico Today

The greatest benefit of ADT home security systems is the outstanding protection they give your Chico family. Saving money on your home insurance premiums is a nice bonus. Build your new system today by contacting the ADT authorized dealers at Secure24 Alarm Systems. Phone (530) 205-3977 or fill out our form below.

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