ADT® Authorized Dealer Serving Philadelphia & Surrounding Areas
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September 08, 2026

Can A Home Security System Decrease Insurance Rates In Philadelphia?

Absolutely! The majority of insurance companies provide discounts for home security systems in Philadelphia, generally ranging from 5 to 20% based on several different variables. How much you save can vary significantly based on the insurance company, where you reside, and the kind of system you install. See how to maximize your savings while giving your loved ones the best protection possible

Why Do Insurance Companies Offer Home Security Discounts?

Alarm systems decrease the risk of break-ins, which means it’s less likely the insurer will be faced with a covered claim. Whenever you have monitored CO detectors, fire alarms, and flood sensors linked to your security system, the potential for damage due to fires and flooding is reduced as well. You help the insurer by lowering their payout risk. As a result, they’re happy to offer a price savings.

What Philadelphia Home Security Systems Qualify For The Biggest Discount?

It makes sense that you wish to save as much as possible. Here’s how to do it:

  • Get a monitored system. A monitored system is ideal for your family, and it’s generally required by insurance companies to earn a discount. Get the added protection you need and save some cash to boot.

  • Add monitored environmental alarms. Chances are you’ll earn even more savings by reducing the risk of damage as a result of fires, flooding, and CO leaks. Getting your smoke alarms, carbon monoxide detectors, and flood sensors professionally monitored also gives your family an essential backup during emergency situations.

  • Install a complete security system. Installing a layered defense with contact sensors, video cameras, smart locks, motion sensors, and more, will be looked upon favorably by the carrier and lead to a bigger discount.

Adding a surveillance device on its own doesn’t automatically get you a discount. Keep in mind that your system will need to be professionally monitored. 

Tips For Getting Your Home Security Insurance Discount In Philadelphia

Step one of lowering your premiums is to contact the insurer after installing your alarm system. They’ll need to check documentation such as a monitoring contract or certificate of installation. Top home security providers like ADT often work with insurers and can assist with the needed documentation.

ADT Systems Meet The Requirements For Insurance Discounts

Get the best defense for your property and benefit from an insurance discount with an ADT home security system in Philadelphia. Backed by the biggest monitoring network in the U.S., ADT gives you the best in round-the-clock professional monitoring. You’ll also appreciate multi-layered systems with surveillance cameras, smart locks, safety alarms, and more.

What Will You Save? Build Your New ADT System In Philadelphia Today

The greatest advantage of ADT home security systems is the exceptional protection they provide for your Philadelphia family. Getting discounts on your home insurance bills is a nice bonus. Customize your new system today by contacting the ADT authorized dealers at Secure24 Alarm Systems. Phone (215) 798-2927 or fill out our form below.

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