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September 08, 2026

Will A Home Security System Lower Insurance Rates In Fort Collins?

Yes! Most insurers give discounts for home security systems in Fort Collins, typically ranging from 5 to 20% based on serveral variables. How much you save can vary quite a bit according to the insurance company, your location, and the type of system you install. See how to get the most savings while giving your family the highest level of protection

Why Do Insurance Companies Offer Home Security Discounts?

Alarm systems reduce the risk of break-ins, which means the probability of your insurer paying a claim are reduced. When you have monitored CO detectors, fire alarms, and flood sensors connected to your security system, the chance of damage due to fires and flooding is reduced as well. You’re assisting the insurer by decreasing their exposure to claims. Because of this, they’re willing to offer a premium discount.

What Fort Collins Home Security Systems Earn You The Largest Discount?

Of course you wish to maximize your savings. Here’s how to do it:

  • Choose professional monitoring. Professional monitoring is the best choice for your family, and it’s often required by insurance companies to earn a discount. Enjoy the added protection you need and save money in the process.

  • Include monitored environmental alarms. You’ll likely earn even more savings by reducing the risk of damage as a result of fires, CO leaks, and water infiltration. Getting your smoke alarms, CO detectors, and flood sensors professionally monitored also gives your family a critical backup during emergencies.

  • Opt for a comprehensive system. Choosing a layered defense with contact sensors, indoor and outdoor cameras, smart locks, motion detectors, and more, will be seen positively by the insurer and likely bring more savings.

Setting up a surveillance camera on its own won’t instantly qualify you for a discount. Keep in mind that your system will need to be monitored by professionals. 

Steps For Getting Your Home Security Insurance Discount In Fort Collins

The first step to reducing your premiums is to contact the insurance company after you install your home alarm system. They will likely want to view documentation such as a monitoring agreement or certificate of installation. Top home security companies like ADT have experience with insurers and can help with the required documentation.

ADT Systems Meet The Requirements For Insurance Discounts

If you want the best protection and an insurance discount, select an ADT security system in Fort Collins. Backed by the nation’s largest monitoring network, ADT provides the best in 24/7 professional monitoring. You’ll also appreciate multi-layered systems with surveillance cameras, smart locks, environmental alarms, and much more.

How Much Will You Save? Build Your New ADT System In Fort Collins Today

The greatest advantage of ADT home security systems is the outstanding protection they provide for your Fort Collins family. Saving money on your home insurance bills is icing on the cake. Customize your new system by contacting the ADT authorized dealers at Secure24 Alarm Systems. Dial (970) 316-5674 or submit our form on this page.

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