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NBR: Cost of home security systems

amh_navyblueamh_navyblue
in D.C. Area Babies

First of all, let me say that I HATE dealing with insurance of any kind...health, homeowners, car, etc.  I almost always get the sense that I am being swindled somehow...

Anyway, when we got our homeowners policy originally we planned to subscribe to a home security system (the house has the equipment installed already), but never got around to it (moved in 2 months ago). Today I was talking to our insurance agent on another policy we have (thus the vent above) and she asked for the paperwork documenting our subscription to a service, otherwise our premium is higher, so I'm trying to do the math here and see if the subscription is worth the discount.  Anyone have a home security system and would you mind giving me a general estimate of how much you pay monthly/yearly?  I know I can go on the sites myself and get the info, but I don't really want a bunch of salespeople calling me just yet;)

TIA!!!

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Re: NBR: Cost of home security systems

  • belizeitornotbelizeitornot
    We pay $36ish/mo but we don't have smoke/fire monitoring (that would be an additional cost monthly but we didn't install that equipment). Our insurance agent was just out here this week and said we'd get something like a 10-20% discount on our homeowners policy with the alarm system, and that's with State Farm. I believe if we have the smoke/fire monitoring the insurance discount would be greater.
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  • umdbrideumdbride

    We pay $36 for ADT with smoke/fire monitoring (smoke monitoring is free monthly, but we had to pay like $200 for the monitor itself).  If you don't have a landline (or FIOS) you have to pay $12/month more for their cell service.

    IMO, installation was more than I thought it would/should be, because the basic package covers two doors and one keypad.  Additional modules (for windows,  keypads, or keyrings) were extra and ranged from $100 - $250 depending on the type of module. They definitely try to upsell of course and recommend a window module on every ground floor window (including basement windows I can't imagine anyone fitting through). You can negotiate to get different things thrown in though.

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  • umdbrideumdbride
    Oh and ours required a fairly long contract, IMO - 3 years.  Something to think about when figuring out if the savings is worth it. 
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  • hollacehollace

    If you're a USAA member go through them with ADT.  The monthly price is reasonable and frankly the only reason we have an alarm system at all.

     

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