Does ADT lower your insurance?

Does ADT lower your insurance, yes, having ADT monitored security system can lower homeowners insurance premium, as many insurance companies offer discounts for burglar alarm and fire alarm systems that are professionally monitored. Typical discount for monitored burglary alarm is 5 to 20 percent off homeowners insurance, with average around 10 percent, which can save $100 to $300 per year depending on premium and insurer. For discount, you need to provide certificate of monitoring from ADT showing system includes burglary and fire monitoring, and insurance company may require central station monitoring, not just self monitoring. Discount amount varies by insurer, state, and type of system, fire and smoke monitoring often gives larger discount than burglary alone. Some insurers give additional discount for water leak detection and smart home devices. To get discount, contact insurance agent, ask about protective device discount, provide ADT monitoring certificate, and ensure alarm permit is obtained if city requires. Keep system active and maintained, as insurer may deny discount if system not monitored. While insurance savings help offset ADT monthly cost, it usually does not fully cover monitoring fee, but combined with peace of mind it adds value.