How Can Security Features Cut Down Your Homeowners Insurance Costs?


Burglars don’t come with a warning. They’ll break in, take what they want, and leave. The only thing that can deter them is a home security system.

Similarly, home fires don’t declare themselves to the National Fire Protection Association beforehand. In just the five years up to 2019, 27% of all reported fires across the United States were home fires.

Whether it’s a burglary attempt or a house fire, it leaves you emotionally and financially distressed. It gets even worse if you have to pay for all the damages yourself. That’s where homeowners insurance comes in.

If you have homeowners insurance, you can file a claim in the aftermath of an unfortunate event. However, if your home has seen more than a few unfortunate events, it’s safe to say that your homeowners insurance premiums will go up.

How Is It My Fault If My Home Is Constantly Facing Unforeseen Events?

While attempted burglaries and home fires might not be your fault, after a few incidents, you need to be extra cautious. Any insurance company would be reluctant to cover future damages if you haven’t taken any security measures.


The chance of a burglary attempt, house fire, or a flooded basement is higher if you don’t install a functioning security or mitigation system around your property.

The following are some ways a security system can keep costs down on homeowners insurance:

Boosts Home Safety

A security system will not only deter burglars, but it will also alert you if any attempt is made to break in to your house. The security system will also detect smoke early on before the a can engulf your property.

A home security system will also let you qualify you for several discounts on your insurance premiums—as it tells the company that you are cautious.

You Can Save A Significant Amount On Insurance Premiums

Depending on the packages your insurance company provides, your insurance premiums might drop down by 15 to 20% if you have a comprehensive security system installed.

Avoid Premium Cost Hikes

Security features can prevent homeowners insurance costs from rising. These features not only decrease the frequency of unfortunate incidents, but also keep you off the list of risky homeowners.

If there have been frequent burglary attempts or house fires in the past with no sign of precaution on the homeowner’s part, the insurance company may decide to increase your insurance premiums—and justifiably so.

Security Features That You Can Install:

While a home security system is a necessity, the following are some of the most crucial security features that you need to look out for:

  • Fire extinguishers
  • Burglar alarm systems
  • Smoke detectors
  • Fire alarms
  • Sprinkler system
  • Deadbolts

These security features will protect your home, in addition to letting you earn homeowners insurance discounts.

Here at Manatee Insurance Services Inc., we help you find an insurance company and a policy that fits your needs and budget. Get in touch with us to know more about our homeowners insurance services in Bradenton, Florida!

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