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September 08, 2026

Will A Home Security System Decrease Insurance Rates In Portland?

You bet! Many insurers provide discounts for home security systems in Portland, generally ranging from 5-20% depending on several different factors. Savings can differ significantly based on the insurer, where you live, and the type of system you select. Learn how to enjoy the most savings while giving your loved ones the best protection possible

Why Do Insurers Offer Home Security Discounts?

Home security systems lower the risk of break-ins, which means there’s a lower probability the insurer will have to pay a covered claim. Whenever you have monitored smoke detectors, water sensors, and CO sensors tied to your alarm system, the risk of damage from flooding and fires goes down as well. You’re helping the insurer by decreasing their payout risk. Because of this, they’re willing to give you a premium discount.

What Portland Home Security Systems Qualify For The Largest Discount?

It’s only natural that you want the biggest discount possible. Here’s how:

  • Get a monitored system. A system monitored by professionals is best for your loved ones, and it’s typically required by insurance providers to earn a discount. Get the added protection you need and save money in the process.

  • Include monitored environmental devices. You’ll likely earn a bigger discount by minimizing the risk of damage from fires, carbon monoxide leaks, and flooding. Having your carbon monoxide detectors, fire alarms, and flood sensors monitored also provides your family a critical backup during urgent situations.

  • Opt for a complete security system. Choosing a multi-layered defense with exterior and interior cameras, contact sensors, motion sensors, smart locks, and more, will be seen positively by the insurance company and likely bring greater savings.

Adding a surveillance device by itself won’t instantly qualify you for a discount. Know that your system will need to be monitored. 

How To Get Your Home Security Insurance Discount In Portland

Step one of lowering your premiums is to call the insurer after installing your security system. They’ll likely want to view proof such as a monitoring agreement or professional monitoring certificate. Leading home security providers like ADT often work with insurers and can help with the needed documentation.

ADT Systems Check All The Boxes For Insurance Discounts

If you’re looking for the best defense and an insurance discount, go with an ADT home security system in Portland. Boasting the biggest monitoring network in the U.S., ADT gives you unmatched 24-hour professional monitoring. You’ll also appreciate full-featured systems with surveillance cameras, smart locks, environmental alarms, and more.

How Much Will You Save? Design Your New ADT System In Portland Today

The real advantage of ADT home security systems is the superior protection they offer your Portland family. Saving money on your home insurance bills is icing on the cake. Customize your new system today by reaching out to the ADT authorized dealers at Secure24 Alarm Systems. Dial (503) 300-4377 or submit our form below.

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