Do home security systems help save money on homeowners insurance?
By Allstate
Last updated: April 2026
Key points
- Installing deadbolts, burglar alarms, fire extinguishers, smoke detectors, sprinklers, or monitored fire alarms can qualify for homeowners insurance discounts.
- Theft prevention devices like deadbolts and alarms may lower premiums, especially if alarms are monitored.
- Fire protection measures including extinguishers, smoke detectors, sprinklers, and monitored alarms can also reduce insurance costs.
- Check with your insurance provider to see which discounts apply.
You may qualify for homeowners insurance discounts if you install certain safety devices that help protect your loved ones and your property.
Your insurer may offer discounts for the following:
- Deadbolts
- Burglar alarm system
- Fire extinguishers
- Smoke detectors
- Sprinkler system
- Fire alarm
Consider these options to give you both peace of mind and a possible discount on your homeowners insurance policy.
What homeowners insurance discounts are available for theft prevention?
Your homeowners insurance provider may offer discounts for certain theft prevention measures, including:
Deadbolts
You may qualify for a discount on your homeowners insurance if you have deadbolts on all of your exterior doors.
Burglar alarm system
For potentially greater savings, consider installing a burglar alarm or a home security system. The Insurance Information Institute says alarms that also ring at an outside service are more effective.
Homeowners insurance discounts for fire protection
You may find you'll receive a discount on your homeowners insurance if you have certain fire protection measures installed. For instance:
Fire extinguishers
Having a fire extinguisher on every floor may help you save on your homeowners insurance.
Smoke detectors
You may also qualify for a discount on your homeowners insurance if you have smoke detectors on every floor.
Sprinkler system
For an extra layer of protection and potentially greater savings, consider installing a home sprinkler system on each floor of your house.
Fire alarm
A fire alarm that connects directly to an outside monitoring service may not only speed up the dispatch and arrival of your nearest fire personnel, Salvatore says, but may also qualify you for a discount on your homeowners insurance.
Talk to your insurance provider to learn more about what homeowners insurance discounts might be available to you.