How a Central Station Monitored Alarm System Can Lower Your Homeowners Insurance Premium

Protecting your home with a central station monitored alarm system doesn’t just provide peace of mind—it can also save you money on your homeowners insurance premium. In today’s insurance market, many providers are not only rewarding policyholders with discounts for monitored security systems, but in some cases, they’re requiring both burglary and fire protection as a condition for coverage.

Here’s how a professionally monitored alarm system helps reduce your costs and ensures you meet your insurer’s requirements.

Insurance Discounts for Central Station Monitoring

Most major insurance companies offer premium discounts—typically between 15% and 20%—for homes protected by a UL-certified central station monitored alarm system. This can translate into hundreds of dollars in annual savings depending on your policy and coverage amount.

The reasoning is simple: homes with 24/7 monitoring are statistically less likely to experience a total loss due to burglary or fire. The presence of a professionally monitored system reduces risk for the insurer, and those savings are passed along to you.

What Is a Central Station Monitored Alarm System?

A central station monitored system means that your alarm is professionally monitored 24/7 by trained dispatchers at a UL-listed monitoring center. When a sensor is triggered—whether for burglary, smoke, CO, or environmental hazards like flooding—the signal is sent directly to the monitoring station, where a live dispatcher can take immediate action by notifying emergency services and contacting you.

This is significantly more secure than a “local-only” or self-monitored system, which depends on the homeowner seeing an alert or hearing a siren before reacting.

Many Insurers Now Require Fire and Burglary Protection

Due to the rising frequency and severity of residential claims, many insurance carriers have updated their underwriting guidelines. It’s becoming increasingly common for insurers to require both burglary and fire protection as part of their homeowners insurance policies—especially for:

• High-value homes

• Vacation or seasonal residences

• Homes located in remote or rural areas

• Older homes with dated electrical or heating systems

If you’re applying for new coverage or renewing an existing policy, your insurer may require written confirmation of a monitored system with both burglary and fire detection.

The Certificate of Monitoring: Your Ticket to Savings

When you enroll in a central station monitoring service like those offered by SafeHomeCentral.com, you’ll receive a Certificate of Monitoring that includes:

• The address being monitored

• Type of protection (burglary, fire, environmental)

• Name of the UL-listed central station

• Confirmation of 24/7 monitoring

You simply provide this certificate to your insurance agent, and they’ll apply the appropriate discount to your premium.

Real Savings, Year After Year

Consider this example:

If your annual homeowners insurance premium is $2,000 and your insurer offers a 15% discount for a central station monitored system, that’s $300 per year in savings. Many of our customers find that the insurance discount alone fully covers the cost of their alarm monitoring service, making it a win-win for safety and budget.

Affordable Monitoring with No Contracts

At SafeHomeCentral.com, we make protecting your home easy and affordable. Our UL-listed alarm monitoring services start at just $8.95/month, and we support burglary, fire, carbon monoxide, and even flood detection. We also offer interactive mobile app control through Alarm.com, Honeywell Total Connect, and Alula for added convenience and awareness.

There are no long-term contracts, and we provide pro-rated refunds if you ever cancel early. Best of all, our expert tech support is available 7 days a week by phone, chat, or email to help you get set up and keep your system running smoothly.

Ready to Save? Let’s Get Started

If you’re looking to protect your home and lower your insurance premiums, now is the perfect time to install or reactivate a central station monitored system.

Contact SafeHomeCentral.com today at 800-840-6150, or visit www.safehomecentral.com to explore your monitoring options. We’ll help you find the right plan for your home and provide the documentation your insurance company needs.