Abode March 23, 2026 Homeowner’s insurance isn’t cheap — the national average sits around $2,300/year in 2026. But most insurers offer 5–20% discounts for homes with monitored security systems. On a $2,300 policy, that’s $115–$460 in annual savings.
The catch: not all security setups qualify. Self-monitoring alone usually doesn’t cut it. Here’s exactly how home security insurance discounts work, which systems qualify, and how to maximize your savings.
Insurance companies reduce premiums for monitored security systems because they lower claim risk. A home with 24/7 professional monitoring is less likely to suffer undetected break-ins, fires, or water damage — and when something does happen, faster response means smaller claims.
Typical discount tiers:
| Security Level | Typical Discount | What’s Required |
|---|---|---|
| Basic alarm (local siren only) | 2–5% | Working alarm system with door/window sensors |
| Self-monitored system | 3–7% | App notifications + sensors (some insurers don’t count this) |
| Professional monitoring | 5–15% | 24/7 monitoring center that dispatches emergency services |
| Professional monitoring + fire/CO | 10–20% | Monitored alarm with smoke, CO, and water leak detection |
When you call your insurance company to claim a security discount, they’ll ask about:
Abode’s Connect+ plan ($20/month) includes everything insurers want:
Abode Connect+ costs $20/month ($240/year). On a $2,300 annual insurance policy:
Even at the minimum 5% discount ($115/year), you’re offsetting nearly half the monitoring cost while getting 24/7 emergency dispatch, cellular backup, and smart home automation.
Discount amounts vary by insurer, state, and policy type. Major insurers with known security discounts include:
Always ask your specific agent — discounts can vary significantly by state and policy details.
Most insurers do not give discounts for self-monitoring alone. A free Abode plan with app alerts is great for personal security, but insurers want a monitoring center that dispatches emergency services. Self-monitoring means you’re responsible for calling 911 yourself — and if you’re asleep, traveling, or your phone is dead, no one responds.
Some insurers offer a small discount (2–5%) for any alarm system, even self-monitored. But the meaningful 10–20% discounts require active professional monitoring with a UL-listed center.
| System | Pro Monitoring Cost | Cellular Backup | Fire/CO Monitoring | Typical Discount |
|---|---|---|---|---|
| Abode Connect+ | $20/mo | Yes | Yes (with sensors) | 10–20% |
| SimpliSafe Standard | $19.99/mo | Yes | Yes | 10–20% |
| Ring Protect Pro | $19.99/mo | Yes (Alarm Pro) | Listener only | 5–15% |
| ADT (any plan) | $28.99–$59.99/mo | Yes | Yes | 10–20% |
| Cove Basic | $17.99/mo | Yes | Yes | 10–20% |
Abode’s Connect+ qualifies for the same discount tiers as ADT at less than half the monthly cost. The insurance discount is identical, but you’re paying $240/year instead of $348–$720/year for monitoring.
Insurers give the biggest discounts when your system monitors beyond just break-ins:
For meaningful discounts (10%+), yes. Most insurers require 24/7 professional monitoring with a UL-listed center. Some offer 2–5% for any alarm system, but the big savings require active monitoring.
On a $2,300 annual policy with Connect+ monitoring: $115–$460/year depending on your insurer and sensor coverage. At 15% discount ($345 savings), the monitoring more than pays for itself.
Yes. Contact Abode support to request a monitoring certificate for your insurance company. It confirms your system has 24/7 professional monitoring.
Usually not for the larger discounts. Self-monitoring doesn’t involve a monitoring center. Some insurers give a small 2–5% discount for having an alarm system at all, but the 10–20% discounts require Connect+ with professional monitoring.
Both qualify for the same discount tiers. Some insurers specifically name ADT, which might help. But ADT costs $29–$60/month vs Abode’s $20/month — the extra $9–$40/month you pay for ADT typically exceeds any marginal insurance discount difference.
Yes. Pair Z-Wave compatible smoke and CO detectors (like First Alert ZCOMBO) with the Abode hub. When they trigger, the monitoring center is alerted and can dispatch fire services. This unlocks the highest insurance discount tier.
