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Benefits of a Monitored System

 

A system monitored by a 24-hour monitoring station has several benefits. First, most insurance carriers offer discounts for security/fire alarm systems that are monitored. These discounts can be as high as 20% off your homeowner premium. Secondly, if you have fire protection that has been installed by your security company having the system monitored means that the local fire department could be notified sooner. The quicker the fire department is notified the less chance there is of sustaining loss of life or property damage. Another reason for having a system monitored is that many alarm systems these days do not have sirens on the exterior of the home/business or townships do not allow them due to noise ordinances.

 

Insurance Discounts

 

Many insurance companies offer discounted homeowners’ insurance premiums, based on the reduced risk of having an installed burglar and/or fire alarm system.

 

Listed below are the percentage discounts offered on homeowners policies for having an alarm system.

 

Insurance Co. Local Fire Local Burglary Local Fire & Burglary Central Station Fire Central Station Burglary Central Station Fire & Burglary
Allstate Insurance Group 5 5 10 10 10 15
American Family Insurance Group 3 3 5 5 5 10
Chubb & Sons, Inc n/a n/a n/a 5 5 10
CNA Insurance Group 2 2 4 5 5 10
Donegal Mutual Insurance n/a n/a n/a 5 5 10
Erie Insurance 5 5 5 10 10 10
Farmers Insurance Group 2 3 5 10 10 10
Hartford Fire & Casualty Group 2 2 4 10 10 20
Liberty Mutual Insurance n/a n/a n/a 4 6 10
Nationwide Corp. 5 5 5 12 12 12
Prudential of America 2 3 5 10 10 15
Safeco Insurance Group 3 5 8 n/a 10 10
State Farm 7 7 7 15 15 15
Travelers Insurance Group 2 2 4 8 8 16
USAA Group 2 2 4 12 12 15

 

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717.664.0090      1.877.455.2158      FAX 717.664.0091

Manheim, PA

 
 
This page was last updated on Thursday, June 21, 2007
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