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Will ADT Save Money on Insurance?

How Can I Save Money on My Homeowner’s Insurance With Home Security?

Safety shouldn’t come with a high price tag.

How Can I Save Money on My Homeowner’s Insurance With Home Security?

A home security system can do more than help protect your home and family from a burglary. It may also help you save money on your homeowners insurance, which can make the investment that much more valuable.

How Much Money Can You Save

Home security equipment and services offer different types of discounts on your homeowners insurance. According to the Insurance Information Institute, if you install a smoke detector, burglar alarm, or dead-bolt locks, your insurance company may reduce your premium by at least 5 percent. If you install a sophisticated sprinkler system and monitored fire or burglar alarms, some companies may reduce your premium by up to 15 or 20 percent. Contact your insurance company to see what savings you might be eligible for if you install a home security system.

Why Home Security Can Save You Money

A home security system can reduce your risk of a burglary, as 9 out of 10 burglars will avoid a house protected by a security system. If you have a home security system installed, it reduces the likelihood that the insurance company has to cover any losses in the case of a burglary. According to a 2005 FBI report, the average cost of a burglary is $1,725, and some, if not all, of that cost is the responsibility of the insurance company. Therefore, your insurance company may reduce your premium because of your choice to use a security system to help protect your home.

How to Approach Your Insurance Company

When you install an ADT monitored home security system, you will receive a certificate as proof of ownership of the security system to give to your insurance company. This way, your insurance company knows that the security system you claim is in fact installed in your home without having to send an inspector.

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Terms and Conditions

General: For all offers, the form of payment must be by credit card or electronic charge to your checking or savings account, satisfactory credit history is required and termination fee applies. Certain packages require approved landline phone. Local permit fees may be required. Certain restrictions may apply. Additional monitoring fees required for some services. For example, Burglary, Fire, Carbon Monoxide and Emergency Alert monitoring requires purchase and/or activation of an ADT security system with monitored Burglary, Fire, Carbon Monoxide and Emergency Alert devices and are an additional charge. Additional equipment may be purchased for an additional charge. Additional charges may apply in areas that require guard response service for municipal alarm verification. Prices subject to change. Prices may vary by market. Some insurance companies offer discounts on Homeowners Insurance. Please consult your insurance company. Photos are for illustrative purposes only and may not reflect the exact product/service actually provided.

*$99.00 Customer Installation Charge. 36-Month Monitoring Agreement required at $27.99 per month ($1,007.64). 24-Month Monitoring Agreement required at $27.99 per month ($671.76) for California. Form of payment must be by credit card or electronic charge to your checking or savings account. Offer applies to homeowners only. Local permit fees may be required. Satisfactory credit history required. Certain restrictions may apply. Offer valid for new ADT Authorized Dealer customers only and not on purchases from ADT LLC. Other rate plans available. Cannot be combined with any other offer. The $27.99 Offer does not include Quality Service Plan (QSP). Quality Service Plan (QSP) is ADT’s Extended Limited Warranty

**ADT 6-Month Money Back Guarantee: Money back service guarantee only applies after ADT has made attempts to resolve a system related issue and has not been able to resolve that issue within the first 6 months of your contract. Equipment must be fully removed before a refund will be processed. Conditions preventing normal system operation cannot be caused by the customer.

^†All plans include standard, manually-operated fire panic button on system panel, which must be depressed to alert ADT of smoke or fire. For automatic notification to ADT of smoke, fire or carbon monoxide, a smoke communicator and/or carbon monoxide communicator must be purchased separately. Not available in all states.

^††Gift card provided by ADT. Visa gift cards issued by MetaBank™, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Neither MetaBank nor Visa is a sponsor, endorser or participant in this promotion. Monthly inactivity fee of $2.95 after 12 consecutive months of inactivity. Lost/stolen replacement card fee of $5.00. See the cardholder agreement for more details. Some restrictions apply.

^‡‡ADT Theft Protection Guarantee: The Customer presenting ADT with this ORIGINAL CERTIFICATE will be eligible to receive a reimbursement of up to five hundred dollars ($500) of Customer’s homeowner’s insurance deductible (if any) if, and only if, ALL of the following requirements are met to ADT’s reasonable satisfaction: (i) the property loss was the result of a burglary that took place while the security system installed at Customer’s protected premises was in good working order and was “on,” and while all of Customer’s doors and windows were locked; and (ii) the intruder entered the residence through a door, window or other area equipped with an ADT detection device, and such detection device was not “bypassed”; and (iii) Customer is not in any way in default under the ADT Residential Systems Customer’s Order; and (iv) Customer files a written claim with their homeowner’s insurance company, and such claim is not rejected or otherwise contested by the insurer; and (v) Customer reports the burglary loss to the appropriate police department and obtains a written police report; and (vi) Customer provides ADT with copies of the insurance claim report, the police report within sixty (60) days of the property loss and proof of settlement by insurance carrier; and (vii) Customer certifies in writing to ADT (by signing this ORIGINAL CERTIFICATE and presenting it to ADT within sixty [60] days of the property loss) that all of the foregoing requirements have been satisfied. Customer understands that presentation of this ORIGINAL CERTIFICATE signed by Customer is required and understands that ADT reserves the right to reject any application for reimbursement that does not comply with ALL of the requirements. Photocopies or other reproductions of this Certificate will NOT be accepted. By signing below, Customer certifies to ADT that all of the foregoing requirements have been satisfied. Please mail to: ADT Security Services, Account Management Support Center, Attn: Theft Protection Guarantee Claims, 14200 E. Exposition Avenue, Aurora, CO 80012.

^Same-day installation not available in all areas.

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Safe Streets License # CMPY.0002025, AK 1074625 | 136835, AL - BA13-99 AESBL #993, AR BAE20110029, AZ 302967 | 19898, CA 5685; CA 1031324 | ACO7817, CO 2015-BFN-0008204, CT CLELC.0185208-L5 | HIC.0652291, DC BL602511000104, DE BA11-201, FL BAEG13000404, GA BLLVA205866, IA BAAC0129, ID RCE-40579 | 037665, IL BA127001452, IN BALAC000190, KS 2020-42748, KY 9365222, LA F2164, MA 192442, ME MS60021441, MD BA107-1680 | 16368955 | 1352811, 01981855, MI BA3601206276, MN BATS02343, MS BA15013023 | 10429325, MT PSP-ELS-LIC-30523, NC BL624CSA, NE 3017, NH 0463C, NJ BA34BF00018800 | 13VH06160200, NM 387294, NV G66-02835 3000009891, NY BA12000302109, OH 53.89.1866, OK AC440557, OR 208546 - CCB, PA CL PA024334, SC BABAC 13455, TN BA0000-1611, TX B18742 B06239001 ACR-2072317, UT 9439243-6501, VA BA11-6617 | 2705139266, WA SAFESSU854P8 | EC SAFESSU846BO, WV BAWV047939