Why Insurance Companies Reward Security Systems
Insurance is a risk business. A home with a professionally monitored security system is statistically a much lower risk than one without and insurance companies price their policies accordingly. When you install a monitored alarm system in your Reno home, you're telling your insurer: this property is actively protected 24/7.
How Much Can Reno Homeowners Save?
| Security Feature | Typical Insurance Discount |
|---|---|
| Professionally monitored burglar alarm | 5% – 20% |
| Smoke & fire detectors (monitored) | 3% – 10% |
| Carbon monoxide detectors | 2% – 5% |
| Flood / water sensors | 2% – 8% |
| Security cameras (professional-grade) | 2% – 5% |
| Full monitored system (all of the above) | Up to 20%+ |
The more layers of protection you have, the greater your potential savings. A Kiwi Alarms system can bundle all of these features into a single, professionally monitored setup maximizing both your safety and your discount eligibility.
Professional Monitoring Is the Key Requirement
Most insurance companies in Nevada require professional 24/7 monitoring not just equipment to qualify for premium discounts. A doorbell camera you installed yourself typically won't unlock insurance savings. Insurers want to know that if your alarm goes off at 2am, a real monitoring center is dispatching police or fire services on your behalf.
That's exactly what Kiwi Alarms provides: a fully monitored system backed by a UL-listed central monitoring station, active 365 days a year.
How to Claim Your Insurance Discount in Nevada
- Contact your insurance agent and let them know you've had a professionally monitored security system installed
- Request a certificate of installation Kiwi Alarms provides this after your setup is complete
- Ask specifically about all eligible discounts burglar alarm, fire detection, CO monitoring, and flood sensors may each have their own separate discount
- Get the new rate in writing confirm your updated premium reflects all applicable savings
- Revisit annually if you add new features, call your insurer again. Your discount may increase
Does a DIY System Like Ring or SimpliSafe Qualify?
It depends. Some insurers will accept a DIY system if it includes a paid professional monitoring plan. Others require a system installed by a licensed technician. When in doubt, call your insurance company first and ask exactly what they require. Kiwi Alarms has been doing this since 2006 and can tell you clearly whether what you have qualifies or how to upgrade so it does.
The Financial Case Is Simple
If your homeowners insurance is $1,200 a year and you qualify for a 15% discount, that's $180 back in your pocket every year. Kiwi Alarms monitoring plans start at competitive local rates often less than $30/month. That means your insurance savings can cover a substantial portion or in some cases all of your monthly monitoring cost.
Frequently Asked Questions
Does a home security system lower homeowners insurance in Reno, NV? +
Yes. Most major insurance providers offer discounts of 5% to 20% on homeowners insurance premiums when a professionally monitored alarm system is installed.
What security features qualify for insurance discounts in Nevada? +
Professionally monitored burglar alarms, smoke and fire detectors, carbon monoxide detectors, flood sensors, and security cameras. Each may qualify for its own discount and they can often stack.
How do I prove my security system qualifies for an insurance discount? +
Kiwi Alarms provides a certificate of installation after your system is set up. Bring this to your insurance agent and ask them to apply all applicable security discounts to your policy.