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September 08, 2026

Can A Home Security System Reduce Insurance Rates In Des Moines?

You bet! The majority of insurance companies offer discounts for home security systems in Des Moines, frequently ranging from 5-20% depending on a few different variables. Discounts vary quite a bit based on the insurer, where you reside, and the kind of system you select. Learn how to get the most savings while giving your loved ones the highest level of protection

Why Do Insurance Companies Offer Home Security Discounts?

Home security systems lower the risk of theft, which means the chance of your insurer paying a covered claim are reduced. When you have monitored CO detectors, fire alarms, and flood sensors linked to your alarm system, the potential for damage caused by fires and flooding goes down as well. You’re assisting the insurer by decreasing their exposure to claims. As a result, they’re happy to provide a discount.

What Des Moines Home Security Systems Earn You The Largest Discount?

It makes sense that you want the largest discount possible. Here’s how:

  • Choose professional monitoring. A monitored system is ideal for your loved ones, and it’s often required by insurance companies to qualify for a discount. Get the peace of mind you deserve and save some cash to boot.

  • Add monitored environmental equipment. Chances are you’ll qualify for a bigger discount by lowering the risk of damage as a result of carbon monoxide leaks, fires, and water infiltration. Getting your fire alarms, flood sensors, and CO detectors professionally monitored also supplies your family an invaluable backup during emergency situations.

  • Opt for a complete security system. Opting for a full-featured defense with video cameras, motion detectors, door and window sensors, smart locks, and more, will be seen positively by the insurance company and bring greater savings.

Installing a surveillance camera alone doesn’t automatically get you a discount. Know that your system should be monitored. 

How To Get Your Home Security Insurance Discount In Des Moines

The first step to getting a discount on your premiums is to reach out to the insurer after installing your home alarm system. They will likely want to view documentation such as an alarm monitoring certificate or a monitoring contract. Leading home security providers like ADT frequently work with insurers and can help with the needed documentation.

ADT Systems Have Everything You Need For Insurance Discounts

Pick the best defense for your property and benefit from an insurance discount with an ADT home security system in Des Moines. Boasting the nation’s most extensive monitoring network, ADT provides the best in round-the-clock professional monitoring. You’ll also benefit from full-featured systems with video surveillance, smart locks, environmental alarms, and more.

What Will You Save? Create Your New ADT System In Des Moines Today

The greatest benefit of ADT alarm systems is the outstanding protection they offer your Des Moines family. Getting discounts on your home insurance bills is a nice bonus. Customize your new system today by reaching out to the ADT authorized dealers at Secure24 Alarm Systems. Dial (515) 212-6493 or complete our form below.

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