Maximize Your Home Insurance Discount with Home Security Claims

Ever heard the saying, "The best offense is a good defense?" Well, when it comes to home insurance, that couldn't be more true. Your home security system isn't just about protecting your home – it can also be a powerful tool for slashing your insurance premiums and even getting money back in your pocket.

Intrigued? Let's dive into how home security claims can be your secret weapon for maximizing savings and transforming your home security system from a cost to an investment.

The Discount You Already Know: Proactive Protection

Most insurance providers offer discounts to homeowners who have installed security systems. They know that a protected home is less likely to be targeted by burglars and less likely to suffer damage. This reduction in risk translates into lower premiums for you.

What About Locks?
Adding high-quality locks to your doors is another straightforward way to qualify for home insurance discounts. Insurers often recognize the value of specific locks, such as:

  • Deadbolts: These sturdy locks are highly effective against forced entry and are commonly approved by insurers.

  • Smart Locks: These modern locks offer enhanced security by allowing remote access and monitoring.

  • Keypad Locks: With no traditional keys, these locks reduce the risk of lock-picking or losing keys.

To ensure your locks qualify, check with your insurer to confirm approved models or features. Incorporating robust locking systems is a simple yet impactful upgrade to your home security.

The Discount You Might Not Know: Claim-Based Savings

Here's where things get interesting. Filing a successful home security claim can actually reinforce your insurer's confidence in your home's security and further justify your discount. It's a win-win scenario! You get reimbursed for your loss, and your insurer sees the value of your security investment.

Kangaroo: Your Partner in Protection and Savings

Kangaroo home security option that stands out for its unique combination of prevention, documentation, and reimbursement. Our Cam Protect and Complete Protect plans offer different levels of coverage, with the Complete Protect plan providing the most comprehensive protection and potential for reimbursement.

Cam Protect:
For just $1.99 per month (billed at $23.88/year), Cam Protect offers premium device features for a single camera and provides up to $250 in theft and damage reimbursement. Whether it's your living room or any other specific area of your home, Cam Protect adds an extra layer of security. If something gets stolen or damaged, you can submit a claim through the Kangaroo app and get reimbursed quickly—up to 2 claims per year, with a maximum of $125 per claim.

Complete Protect:
At $8.25 per month (billed at $99/year), Complete Protect covers your entire home with 24/7 professional monitoring and up to $1000 in theft and damage reimbursement. This plan is ideal for comprehensive protection, covering not only theft but also damage from fire, water, or smoke. You can submit up to 2 claims per year, with a maximum of $500 per claim. Plus, you'll benefit from professional monitoring that alerts first responders in case of emergencies

How Kangaroo Helps You Save

  1. Insurance Discounts: Simply having a Kangaroo system can qualify you for a discount with many insurance providers.

  2. Claim Reimbursement: Depending on your plan, Kangaroo will reimburse you for certain losses due to theft, damage, or specific incidents.

  3. Evidence for Claims: Kangaroo's cameras provide clear video evidence to support your insurance claims, making the process smoother and more likely to result in a payout.

Real-World Reimbursement: Kangaroo in Action

To give you a better idea of how this works, let's look at some real reimbursement examples from Kangaroo users 

Month Reimbursed Amount Types of Losses Covered
May $500.00 Tech / Computer Parts
January $500.00 Shoes/Sneakers, Motorcycle Parts, Car Damages
February $125.00 Hair Care Products, Tech/iPad/iPhone, Kitchen Items
March $125.00 Exercise Equipment, Broken Windows, Broken Doors, Shoes/Sneakers
April $125.00 Security Equipment, Car Damages, Clothes, Flooding/Basement, Food Supplements, Candles, Tech, etc.
June $125.00 Broken Windows

These examples show that Kangaroo's reimbursement isn't just a nice perk – it's real money back in your pocket when you need it most.

Disclaimer: Reimbursement amounts and types of losses covered can vary. Check with Kangaroo for the most up-to-date policy details.


Dory Reviews: Real Savings, Real Ease with Kangaroo’s Concierge Service

Discover how Dory and Kangaroo’s Concierge Service are transforming the way customers save on home insurance. From simple processes to impressive discounts, here’s what real users are saying about their experiences with Dory and Kangaroo.

"Wow! I just answered a few questions and now I’m saving an additional $64! 
Simple, Fast & easy!" - Jeff G

"Kangaroo saved us $131 and did all the leg work for me! Thanks!" - Rachael

"Saved $21 on my home insurance by just clicking a button. Kangaroo made it super easy and even did all the work to get in touch with my insurance to get that discount activated!" - Maria

"Kangaroo concierge service is great. Just saved me $65 on my insurance. They did all the work and I'm very pleased to get this discount." - Alice


Maximizing Your Home Security & Insurance Benefits

Here's how to get the most out of your home security system and insurance:

  • Choose a Comprehensive System: Make sure your system includes high-quality cameras, an alarm system, professional monitoring (optional), and environmental sensors.

  • Document Everything: Keep receipts and records of your valuables to make the claims process smoother.

  • Report Incidents Promptly: Notify your insurance provider and Kangaroo as soon as possible after an incident.

  • Utilize Kangaroo's App: The Kangaroo app simplifies the reimbursement process, allowing you to file claims and track their status easily.                 

Key Takeaway: Protection and Peace of Mind

Kangaroo's reimbursement policy proves that home security isn't just about deterring crime – it's about financial protection and peace of mind. When the unexpected happens, knowing you have a system that can help you recover some of your losses is invaluable.

Get the Most Out of Your Home Insurance

If you're looking to maximize your home insurance discount and gain an extra layer of financial security, consider Kangaroo's Cam Protect or Complete Protect plans. Investing in home security is an investment in your home's safety and your financial well-being.


Read More:
Kangaroo Hops into Walgreens: Easy Home Security Now Just a Hop Away!
10 Proven Ways to Slash Your Home Insurance Costs After Moving
Guide to Homeowners Insurance Discounts For Your New Home

Home Insurance Savings FAQs

Your Question Answered

    • Installing a home security system: This could be a comprehensive system like ADT, a DIY option like Kangaroo, or even a combination of individual components like a burglar alarm, fire alarm, smoke detectors, water sensors, and window/door sensors.

    • Upgrading your home's security: Adding features like deadbolts on exterior doors, locks with keypads, or even a sprinkler system can show insurers you're proactive about protection.

    • Bundling policies: Combining your homeowner insurance with other policies (like auto insurance) often leads to discounts.

  • The most impactful features include:

    • Monitored alarm systems: Systems connected to a monitoring center for 24/7 response can offer significant savings.

    • Fire alarms and smoke detectors: These are essential for early fire detection and can substantially reduce premiums.

    • Burglar alarms and window/door sensors: These deter burglaries and provide evidence in case of theft.

    • Water sensors: Detecting leaks early can prevent costly water damage and lower your risk profile.

    • Security cameras: Video footage can help identify culprits and deter burglaries, leading to potential discounts.

  • The amount you save varies depending on your insurer, the type of system, and your location. However, discounts can range from 5% to 20% or more. It's worth contacting your insurance provider to get specific quotes.

  • Most insurance companies require your system to meet certain standards:

    • Professional installation: Some insurers might require professional installation, especially for complex systems.

    • Central station monitoring: This is often a requirement for maximum discounts.

    • Regular maintenance: Ensure your system is in good working order, as malfunctioning systems may not qualify.

  • Yes, some smart home devices, like security cameras, smart locks, and sensors connected to your security system, can often qualify for discounts.

  • Absolutely! Consider these options:

    • Increasing your deductible: Opting for a higher deductible usually lowers your premium.

    • Maintaining a good claims history: Avoiding frequent claims can demonstrate you're a low-risk homeowner.

    • Shopping around and comparing quotes: Different insurance companies have varying rates and discount structures.

  • Reach out to your insurance provider directly. They can provide the most accurate information about their specific discounts and requirements. You can also research online or consult an independent insurance agent.

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