How Much Can You Save on Home Insurance with a Security System?
How Much Can You Save on Home Insurance with a Security System?
Products & Innovation

How Much Can You Save on Home Insurance with a Security System?

By Ring on January 26, 2022

Did you know that there are many different factors that affect the cost of your home insurance? Policygenius lists 12 common homeowners insurance discounts you could get. Things like your home’s age, type of construction, recent electrical, heating, plumbing or roof improvements can help lower your insurance premium, and so can installing a home security system. In fact, with a professionally monitored1 Ring Alarm or Alarm Pro Security System, you could save up to $100 per year2 on home insurance. Just follow these easy steps to download your professional monitoring certificate and contact your insurance provider for details about your policy discount.

Policygenius also points out that you shouldn’t think about the potential savings on home insurance only when you renew your policy, reminding that “if you recently had a protective feature installed, let your agent know immediately to get a discount on your premiums.”

What is a Professionally Monitored Security System?

Saving on home insurance is a great perk of having a professionally monitored home security system, but the main reason to have one is to help protect your home and loved ones from costly and emotionally trying emergencies, like a break-in. There is no putting a price on the stress such an event can cause, but it can also cost a lot of money - according to the latest available statistics, an average loss per burglary is over $2,500.

Installing a home security system, like Ring Alarm or Alarm Pro, can help you stop the intruders in their tracks, like Rohit did, when someone tried to open the patio door at his home while he was at work. And enrolling in 24/7 professional monitoring with a Ring Protect Pro subscription, can add an extra layer of security, like it did for Nadine, when someone tried to break into her home when she was out picking up her kids.

Here’s how it works: if your Ring Alarm is triggered, first, it sounds the siren and sends a signal to the monitoring center. You’ll get a notification in the Ring App that something is happening at home, too. Next, the monitoring center will give you and your emergency contacts a call to see if you need help. If you confirm or do not answer, they can call first responders to your address.

Whether you live in a condo, or a house, Ring Alarm works for every home. It is easy to install and set up. Simply plug in the Base Station, connect your sensors, and control it all with the Keypad or from the Ring App. Contact Sensors let you know when windows or doors are open, and Motion Detectors cover rooms and hallways to send alerts when someone moves in the space. You can add as many sensors as you need to fit your unique home. If DIY is not your style, professional installation is available too.

“It was something you never hoped you had to use, but when we did have to use it, it ended up being really easy, stressless and it just worked,” says Rohit. “[Ring was] the bridge between me and the police, between me and my home. [It was] that central hub that kept it all together.”

It’s Not Only About Home Security, It’s About Safety, Too

When it comes to protecting your home and loved ones, there are different types of emergencies to prepare for. And thanks to a variety of accessories and compatible devices, a professionally monitored Ring Alarm can help with more than just security. It can help prevent those costly accidents in the first place.

One of the most devastating, and fast-developing emergencies is a fire. In a matter of minutes, a fire can engulf an entire residence and cause significant damage. A quarter of all home insurance claims are for losses from a fire and lightning and the average loss amount per claim is almost $80,000, the highest of all the types of home insurance claims. Some of the top causes of residential fires include everyday activities like cooking, heating, and even lighting candles. So detecting it and getting help to stop it quickly is paramount in case of a house fire.

To help you be prepared for a fire emergency, Ring Alarm works with smart devices like the First Alert Z-Wave Plus Smoke/CO Alarm or a Ring Smoke and CO Listener3 that you can place next to your existing smoke and carbon monoxide detectors. If the smoke detector is triggered, Ring Alarm will send you a notification. And if you enroll in professional monitoring with a Ring Protect Pro subscription, Ring Monitoring Center will get an alert too, and can request fire assistance.

Other emergencies you may not think often about are flooding and freezing. Water and freezing claims make up almost a 30% share of all home insurance claims and they average at about $11,000 of losses per claim. Ring Alarm can help you stay ahead of potential leaks and frozen pipes too. Simply place Ring Alarm Flood & Freeze Sensors in areas near refrigerators, water heaters, in laundry rooms and basements to get alerted in case a water leak or low temperature is detected.

Start protecting and saving today and find the right Ring Alarm or Alarm Pro Kit for your home. For help building your own custom security system, call 1-800-800-Ring for a free consultation with a Ring Security Expert.

1Ring Alarm professional monitoring service is available only within the U.S. (all 50 states, but not U.S. territories) and in Canada (excluding Quebec). Ring does not own its own professional monitoring center. For alarm licenses, visit

2Actual savings vary depending on insurance carrier and policy.

3 Smoke and carbon monoxide monitoring is not available for commercial properties.

Ring icon
Contact Info
Have a Story?

If you have stories or videos you’d like to share with us, please send them to