Why Installing a Home Security System Can Save You on Insurance Costs

Ensuring the safety of your home goes beyond just protecting your property from potential threats; it can also lead to significant financial savings. Installing a home security system is not only a proactive measure to safeguard your family and belongings, but it can also result in considerable reductions in your insurance premiums. Insurance companies often offer discounts to policyholders who invest in robust security measures, recognizing that these systems can mitigate risks and reduce the likelihood of costly claims. In this article, we'll explore how installing a home security system can lead to substantial savings on your insurance costs, and why it’s a wise investment for your peace of mind and your wallet.

Statistics on Average Savings from Installing a Security System

In the U.S., the average cost of homeowners insurance is approximately $146 per month. By installing a home security system, homeowners can reduce their insurance premiums by up to 15%. This translates to an average annual savings of about $263.

Source: Consumer Affairs

Typical Discounts for Security Systems

Home Security and Safety Feature Discounts
Home Security and Safety Feature Discounts
Feature Discount Range Description
Burglar Alarms (Monitored) 5% to 20% Monitored systems that alert authorities often receive the highest discounts.
Home Security Cameras Up to 10% Adding a security camera can reduce premiums, with higher savings for monitored systems.
Fire Alarms and Smoke Detectors 2% to 10% Discounts for systems that notify fire departments, especially when monitored.
Deadbolt and Window Locks 2% to 5% Basic security improvements like strong locks offer smaller discounts.
Video Surveillance and Cameras 5% to 10% Discounts for cameras, especially if part of a monitored system.
Smart Home Devices 5% to 10% Savings for devices like smart doorbells and thermostats that enhance home security.
Fire Sprinkler Systems 5% to 15% Significant discounts for systems that activate during a fire to limit damage.
Carbon Monoxide Detectors 2% to 5% Small discounts for detectors, especially when part of a monitored system.
Water Leak Detection Systems 2% to 5% Discounts for systems that detect and prevent water damage.

Source: National Association of Insurance Commissioners (NAIC)

Effective Strategies to Lower Your Homeowners Insurance Premiums and Save

  • Install a Security System
    Installing a security system like Kangaroo Home Security can help reduce your premiums. Insurers often offer discounts for homes equipped with burglar alarms and monitored security systems, recognizing the reduced risk of claims.

  • Increase Your Deductible
    Raising your deductible can lower your insurance premiums. By agreeing to pay a higher amount out-of-pocket before your insurance coverage starts, you can reduce the overall cost of your homeowners insurance policy.

  • Bundle Home and Auto Insurance
    Combining your home insurance with auto insurance through the same insurance company can lead to significant savings. Many insurers offer discounts for bundling home and auto policies, which can lower both your home and auto insurance premiums.

  • Maintain a Good Credit Score
    A strong credit score can positively impact your homeowners insurance premiums. Insurers often use credit scores to assess risk and set premiums, so maintaining good credit can help you save on your home insurance.

  • Review and Adjust Your Coverage
    Periodically review your homeowners insurance policy to ensure you’re not paying for unnecessary coverage. Adjusting your policy to better fit your current needs can help lower your premiums without compromising essential protection.

  • Increase Homeowners Insurance Policy Limits
    If your insurance policy’s rebuild coverage is set too low, you might be paying higher premiums. Ensuring your coverage accurately reflects current rebuild costs can help optimize your premiums and provide the right amount of protection.

  • Shop Around and Compare Quotes
    Different insurers offer varying premiums and discounts. Shopping around and comparing quotes from multiple insurance companies can help you find the best rate for your homeowners insurance.

  • Inquire About Discounts
    Ask your insurance agent about available discounts for things like home security systems, safety features, or claims-free history. Many insurers offer discounts for these factors, which can reduce your overall insurance costs.

  • Consider Flood Insurance
    If you live in an area prone to flooding, adding flood insurance might be necessary. However, bundling flood insurance with your homeowners policy can sometimes result in lower overall premiums.

  • Review Liability Coverage
    Evaluate your liability coverage needs to ensure you’re not over-insured. Adjusting your liability coverage to match your specific needs can help lower your premiums while still providing adequate protection.

Choosing the Right Security System: Kangaroo Home Security

When selecting a security system, Kangaroo Home Security offers a range of features and options that cater to various needs. Here’s a guide to help you understand what Kangaroo Home Security provides and how it might fit into your home protection strategy.

Essential Features

  • Motion Detection: Kangaroo’s system includes motion sensors that alert you to any movement within the monitored area. This feature is crucial for detecting potential intruders in real time.

  • Video Surveillance: Kangaroo offers indoor and outdoor cameras with high-definition video, night vision, and motion detection capabilities. These cameras help you keep an eye on your property 24/7.

  • Kangaroo Doorbells: The Kangaroo Photo Doorbell and Video Doorbell Cameras enhance your security by offering real-time photo stitches, video, and two-way audio, so you can see and speak to anyone at your door from anywhere.

  • Entry Sensors: The system comes with door and window sensors that monitor entry points and send alerts if they are opened unexpectedly.

Coverage Area

  • Size of Property: Kangaroo systems are designed to be flexible, making them suitable for various property sizes. You can choose a package that covers all entry points and vulnerable areas of your home.

  • Expandable Options: Kangaroo offers the ability to expand your system with additional sensors, cameras, or other devices, allowing you to scale the coverage as needed.

Ease of Installation and Use

  • DIY Installation: Kangaroo provides a DIY installation option, making it easy for homeowners to set up the system without professional help. The process is designed to be straightforward and user-friendly.

  • User-Friendly Interface: The system includes an intuitive app that allows you to manage and monitor your security system from anywhere. The Kangaroo app provides real-time alerts, video feeds, and system controls.

At Kangaroo’s Dory Insurance Concierge Service, our goal is to help you get the most out of your home insurance. We facilitate direct communication between Kangaroo Home Security and your insurance provider to verify your eligibility for potential discounts.

By integrating Kangaroo’s state-of-the-art security systems into your home, you could see a reduction in your homeowners insurance premiums. This proactive step not only enhances your home’s security but also contributes to significant financial savings.

Securing comprehensive insurance coverage for your home can be straightforward and cost-effective. By exploring available discounts whether through bundling your home and auto policies or leveraging advanced security systems like Kangaroo, you can protect your home and enjoy lower premiums.


Dory Reviews and Testimonials: How Kangaroo Enhanced Our Insurance Savings

Our Dory customers have shared their experiences with Kangaroo’s services, including their devices and subscription plans. Here’s how Kangaroo has helped them achieve insurance savings:

“Kangaroo made it effortless to save on my insurance. I now enjoy both peace of mind from my security system and extra funds to help manage inflation. Thank you!”
Brandon, Dory Customer

“Wow! I answered a few questions and am now saving an additional $64. Simple, fast, and easy!”
Jeff, Dory Customer

“The process was so seamless that I don’t even recall taking any action to get this discount, but it was great to receive it!”
Mital, Dory Customer

“I saved $21 on my home insurance just by clicking a button. Kangaroo handled all the details, including contacting my insurer to activate the discount!”
Maria, Dory Customer

“Everyone involved was extremely helpful. From State Farm to Kangaroo, submitting for the discount was a breeze.”
Nat, Dory Customer

“The process was quick and easy—thanks for helping me save money on my insurance!”
Jackson, Dory Customer


Remember, every homeowner’s situation is unique, so it’s important to tailor your approach to fit your specific needs. Implementing these strategies can help you achieve significant savings and provide peace of mind, knowing that your home is well-protected.

Reducing your homeowners insurance premiums doesn’t have to be a daunting task. By taking proactive steps such as increasing your deductible, installing a comprehensive security system like Kangaroo Home Security, and bundling your home and auto insurance, you can effectively lower your premiums while maintaining essential coverage.

Q&A: Maximizing Insurance Savings with Kangaroo Home Security and Dory Insurance Concierge

  • Kangaroo Home Security reduces the risk of theft and damage, which can qualify homeowners for discounts on their home insurance premiums. Many insurance companies recognize these systems as effective preventative measures and offer savings ranging from 5–15%.

  • Dory Insurance Concierge is a service that connects policyholders with personalized insurance solutions. It helps homeowners find insurers offering discounts for using Kangaroo Home Security and guides them in understanding policy options, coverage details, and deductibles.

  • While it doesn’t directly lower the deductible, having a Kangaroo security system can reduce claim frequency by preventing incidents like theft or damage, potentially resulting in favorable terms from your insurer.

  • Yes, an insurance agent can provide valuable insights into which insurers offer discounts for security systems like Kangaroo Home Security. They can also help you customize your homeowners policy to maximize savings.

  • While Kangaroo systems primarily address theft and property damage, they can complement flood sensors to reduce risks associated with water damage. Insurers may reward this comprehensive approach with savings on flood insurance coverage.

  • Rebuild coverage ensures your home can be restored to its original condition after a covered loss. Adding Kangaroo Home Security can lower insurance costs, freeing up budget for better rebuild coverage.

  • Security systems like Kangaroo provide video evidence and monitoring services that strengthen your claim documentation, making it easier for insurers to process and approve claims.

  • While Kangaroo Home Security focuses on theft prevention, additional features like cameras and sensors can document roof damage from events like storms. This evidence can streamline the claims process with your insurance company.

  • Insurers evaluate the reduced risk of loss due to systems like Kangaroo Home Security. These calculations typically result in lower insurance premiums and improved terms for the policyholder.

  • By enhancing home safety, Kangaroo systems lower risks and insurance costs. This makes it easier to secure comprehensive coverage while maintaining affordable premiums.

  • Absolutely! Dory Insurance Concierge works with agents and insurers to ensure your policy reflects the security system discounts you’re eligible for, optimizing coverage and reducing costs.

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