Insurance & Savings Guide
Insurance Discounts for Security Systems: Save 5-20% on Your Policy
Updated April 2026 | By Berkley Security Inc. | 6 min read
Quick Answer:
Most Mississippi insurance companies offer 5-20% discounts on homeowner's insurance for homes with professionally monitored alarm systems. On the average Mississippi policy of ~$1,400/year, that saves $70-$280 annually. To qualify, you need a professionally installed and monitored system with a certificate from a licensed installer. DIY and self-monitored systems typically do not qualify.
Most homeowners are not aware that their security system can directly reduce their insurance premiums. Insurance companies offer these discounts because monitored homes have fewer claims: fewer burglaries, faster fire response, and less water damage. The discount is real, meaningful, and available to anyone with a qualifying system.
Calculate Your Savings
| Annual Premium | 5% Discount | 10% Discount | 15% Discount | 20% Discount |
|---|---|---|---|---|
| $1,000 | $50 | $100 | $150 | $200 |
| $1,400 (MS avg) | $70 | $140 | $210 | $280 |
| $2,000 | $100 | $200 | $300 | $400 |
| $3,000 | $150 | $300 | $450 | $600 |
What Qualifies for the Discount
Qualifies
- + Professionally installed alarm system
- + 24/7 central station monitoring
- + Police and fire dispatch capability
- + Monitored smoke/fire detection
- + Water leak detection (additional discount)
- + Certificate from licensed installer
Does Not Qualify
- - DIY self-monitored systems
- - Standalone cameras (Ring, Nest)
- - Doorbell cameras only
- - Local siren-only alarms
- - Systems without monitoring
- - Systems from unlicensed installers
How to File for the Discount
- Get your system installed by a licensed security company.
- Request a monitoring certificate from your security provider confirming 24/7 professional monitoring.
- Send the certificate to your insurance agent (email, fax, or upload to your portal).
- The discount applies at your next billing cycle, retroactive in some cases.
- Renew annually by providing updated monitoring confirmation if your insurer requires it.
Berkley Security provides monitoring certificates to every customer at no charge. We also provide documentation for insurance claims if an incident occurs.
Does the Discount Offset Monitoring Costs?
Here is the math for the average Mississippi homeowner:
- Annual monitoring cost: $300 ($25/month)
- Annual insurance savings (10%): -$140
- Net annual cost of monitoring: $160 ($13.33/month)
After insurance savings, 24/7 professional monitoring with police dispatch costs less than a streaming subscription.
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To get the highest possible insurance discount, consider adding:
- Monitored fire and smoke detection - Many insurers increase the discount for fire monitoring because fire claims are the most expensive.
- Water leak sensors - Water damage is the most common homeowner's claim. Leak detection can add 3-5% to your discount.
- Cellular monitoring - Some insurers offer higher discounts for cellular systems because they cannot be defeated by cutting phone or internet lines.
Frequently Asked Questions
How much do I save on insurance?
5-20% off your homeowner's premium. On the average Mississippi policy (~$1,400), that saves $70-$280 per year.
What system types qualify?
Professionally installed and monitored systems with central station dispatch. DIY, self-monitored, and standalone cameras do not qualify.
How do I get the discount?
Request a monitoring certificate from your security company and send it to your insurance agent. The discount is applied at your next billing cycle.
Do Ring cameras qualify?
Usually not. Insurance discounts require professionally monitored alarm systems with central station dispatch, not standalone cameras.
Does fire monitoring increase the discount?
Yes. Because fire claims are the most expensive, many insurers offer higher discounts for systems with monitored smoke and fire detection.
Does the discount pay for monitoring?
Often partially or fully. A 10% discount saves ~$140/year against ~$300/year monitoring, reducing your net cost to ~$160/year ($13/month).
Your Security Can Pay for Itself
Professional monitoring with insurance certificate included. Calculate your savings with a free quote.