Home Safety & Security DiscountsHome
Making your home safer doesn't just prevent losses — it lowers your premium. These are the home features insurers reward, and how to get the credit.
Home insurers price partly on how likely your home is to have a claim, so features that reduce fire, theft, and water risk earn discounts. Many are inexpensive to add and pay for themselves through premium savings and — more importantly — prevented losses.
Newer homes and updated systems (roof, electrical, plumbing) also earn credits because they're less likely to fail.
Features insurers reward
Discounts cluster around the three big home-claim causes: fire, theft, and water. Documentation (a monitoring certificate, an inspection, or receipts) is usually required.
- •Monitored burglar and fire alarms
- •Smoke detectors, sprinklers, and fire extinguishers
- •Automatic water-leak detection and shutoff devices
- •Impact-resistant (Class 4) roofing in hail-prone areas
- •New-home and updated-systems (roof/electrical/plumbing) credits
- •Gated community or deadbolts/smart locks
Carriers known to offer this discount
Home-security and protective-device discounts through its agents
Protective-device and new-home discounts
Credits for risk-mitigation on high-value homes, including water-leak systems
Protective-device discounts on its home policies
Program availability and terms vary by state. This is a non-exhaustive list of well-known examples — always ask any insurer you quote which discounts you qualify for.
How to get this discount
- •Install and document monitored alarms and smoke/water-leak detectors
- •Provide your insurer the monitoring certificate or device receipts to claim the credit
- •Ask about an impact-resistant roof credit if you're in a hail-prone state
- •Report system updates (new roof, electrical, plumbing) — they can lower your rate
Sources & References
- Insurance Information Institute (Triple-I). https://www.iii.org — Accessed July 2026
- National Association of Insurance Commissioners (NAIC). https://content.naic.org — Accessed July 2026
Home Safety & Security Discounts — Frequently Asked Questions
Do home security systems lower insurance?
+
Yes — monitored burglar and fire alarms typically earn a homeowners discount, and water-leak detection with automatic shutoff increasingly does too, because water damage is a leading claim. You'll usually need to provide a monitoring certificate or proof of installation to claim the credit. The savings add to the loss-prevention benefit.
Does a new roof lower home insurance?
+
Often, yes. A newer or impact-resistant (Class 4) roof is less likely to fail or suffer hail damage, so many insurers offer a credit — and some may decline or non-renew homes with very old roofs. Report a roof replacement to your insurer, and ask about an impact-resistant-roof discount if you live in a hail-prone area.
Related guides
Michael Torres
Editorial Lead, Catastrophe & Commercial Property
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed June 2026
Get Insurance Rate Alerts
We monitor rate filings in all 50 states. Get notified when rates change in your area — and discover new ways to save.
- ✓State-specific rate change alerts
- ✓Seasonal enrollment deadline reminders
- ✓Expert tips to lower your premiums
- ✓New coverage options in your state
Free forever. Unsubscribe with one click. No spam, ever.
Important Disclaimer
This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.