Home Insurance Security Discounts by Insurer (2026)
State Farm, Allstate, Nationwide, Liberty Mutual, Travelers, American Family and Lemonade all say on their own sites, as of October 2026, that alarms or security devices can earn a homeowners discount. Only American Family attaches a figure, a 5% home security discount mentioned in its page's search description rather than in the page text; the other seven insurers we checked (those six plus Progressive's guidance page) publish no percentage. Travelers and American Family name smart home devices, and State Farm says its former ADT discount offer has ended.
Figures researched 2026-10-01; each source below carries its access date. Prices change; treat any price here as "as of" its date.
Which insurers offer a security system discount?
Each row below is what the insurer's own website says, checked October 2026. We list devices only where the insurer names them.
| Insurer | Discount name on its site | Devices it names | Publishes a percentage? |
|---|---|---|---|
| State Farm | Home security insurance discount (protective device) | Fire, smoke or burglar alarms, or other eligible home monitoring systems | No |
| Allstate | Protective device discount | Burglar alarm, deadbolts, smoke detectors, sprinklers, monitored fire alarms; its discount guide also lists water and gas leak detectors | No |
| Nationwide | Protective device | Smoke detectors, fire alarms, burglar alarms or other qualifying devices | No |
| Liberty Mutual | Safety devices | Dead bolt locks, burglar alarms, smoke detectors | No |
| Travelers | Protective device discount | Smoke detectors and fire alarms, interior sprinklers, home security systems, smart or connected home tech that alerts you to fire or burglary | No |
| American Family | Safe, Secure, Smart Home discount | A smart home device or home security system | Not in the page text; the page's search description mentions a 5% home security discount |
| Lemonade | Protective devices (homeowners and renters) | Deadbolts, burglar alarms, smoke alarms | No |
| Progressive | Guidance page, not a named discount | Says many insurers credit cameras, alarm systems with door, window and motion sensors, and monitored smoke detectors | No |
The pattern holds across all eight: the discount exists, the page text commits to no number (American Family's 5% appears only in its page description), and availability varies by state or policy. State Farm notes its discounts vary by state and that ADT home monitoring system discounts previously offered to its homeowners customers are no longer available.
When you call, use the insurer's own name for the discount from the second column. Agents look discounts up by name, and asking for the "protective device" or "Safe, Secure, Smart Home" discount gets a faster, firmer answer than asking whether an alarm helps.
How big are these discounts?
Apart from American Family's 5% page description, no insurer in the table publishes a figure, so the broadest public numbers come from a regulator. The Delaware Department of Insurance tells consumers they can usually get discounts of at least 5% for a smoke detector, burglar alarm or deadbolts, and that some companies may cut premiums by as much as 15% or 20% for a sophisticated sprinkler system plus a fire and burglar alarm that rings at the police, fire or other monitoring stations. That page is long-standing consumer guidance, not a current rate survey.
On that guidance, basic devices earn small discounts, and the larger figures are tied to monitored fire and burglary protection combined with sprinklers. Treat any figure as a reason to ask your agent, not as a promise. Whether the discount justifies buying a system is covered in does home security lower insurance.
What do insurers ask for as proof?
The insurer pages above rarely spell out the paperwork, so the proof step usually runs through your monitoring provider. Providers such as ADT, SimpliSafe, Ring, Frontpoint and Cove issue an alarm or monitoring certificate you can send to your agent; the steps for each are in how to get an alarm certificate for insurance.
A few patterns from the insurer pages are worth acting on:
- Monitored beats unmonitored. Allstate says alarms may lower premiums especially if they are monitored, and State Farm's renters page names a monitored fire or burglar alarm.
- Water and fire count too. Allstate lists water leak detectors and Travelers names connected devices that alert you to fire. If you have monitored leak sensors, mention them; see monitored water leak sensors.
- Renters can qualify. State Farm and Lemonade both describe security device discounts on renters policies; details are in renters insurance security discounts.
If you are adding professional monitoring partly for the insurance credit, get your insurer's actual number and a real monitoring quote in the same week, then do the net math. Our quote tool collects quotes from professional monitoring providers through a short questionnaire.
Frequently asked questions
- Does State Farm give a discount for a security system?
- State Farm says you may qualify for a homeowners discount if you have installed fire, smoke or burglar alarms or another eligible home monitoring system, and that discounts vary by state. It also says ADT discounts it previously offered to homeowners customers are no longer available.
- Does Allstate give a discount for alarms?
- Yes. Allstate lists a protective device discount for theft or fire protection devices, and its guidance says deadbolts and alarms may lower premiums, especially if alarms are monitored. It does not publish a percentage.
- Which insurers give a smart home discount?
- Travelers says its protective device discount includes smart or connected home technology that alerts you to a fire or burglary. American Family's Safe, Secure, Smart Home discount covers a smart home device or home security system. Ask your agent which specific devices qualify.
- Does Lemonade give a discount for a security system?
- Lemonade's FAQ says protective devices such as deadbolts, burglar alarms and smoke alarms will get you a discount on both homeowners and renters policies. It does not publish the amount, and it does not say on that page what proof it asks for.
- What percentage discount do insurers give for a security system?
- Of the eight insurers checked here, only American Family attaches a figure: its smart home discount page's search description mentions a 5% home security discount, though the page text itself gives no number. Delaware's insurance department says discounts are usually at least 5% for basic devices, and that some companies may cut premiums by as much as 15% or 20% for a sprinkler system plus a monitored fire and burglar alarm. Your insurer's quote is the only firm number.
Sources
- State Farm home security discount for fire, smoke or burglar alarms or eligible monitoring system (protective device); ADT discounts previously offered to homeowners customers no longer available; discount offers on home security products not available in all states: https://www.statefarm.com/insurance/homeowners/discounts (accessed 2026-10-01)
- State Farm renters: discounts vary by state; home alert protection discount for monitored fire and/or burglar alarm: https://www.statefarm.com/insurance/renters/discounts (accessed 2026-10-01)
- Allstate: deadbolts, burglar alarms, fire extinguishers, smoke detectors, sprinklers or monitored fire alarms can qualify; alarms may lower premiums especially if monitored: https://www.allstate.com/resources/home-insurance/home-security-insurance-discounts (accessed 2026-10-01)
- Allstate protective device discount for theft or fire protection devices: https://www.allstate.com/home-insurance/home-insurance-discounts (accessed 2026-10-01)
- Allstate discount guide lists burglar alarm, smoke detectors, fire extinguishers, sprinkler, deadbolts, water leak detectors, gas leak detectors: https://www.allstate.com/resources/home-insurance/homeowners-insurance-discounts (accessed 2026-10-01)
- Nationwide protective device discount for smoke detectors, fire alarms, burglar alarms or other qualifying devices: https://www.nationwide.com/personal/insurance/homeowners/pages/discounts (accessed 2026-10-01)
- Liberty Mutual safety devices (dead bolt locks, burglar alarms, smoke detectors) can help lower the cost of home insurance: https://www.libertymutual.com/property/homeowners-insurance (accessed 2026-10-01)
- Travelers protective device discount: smoke detectors and fire alarms, interior sprinklers, home security systems, smart or connected home technology alerting to fire or burglary: https://www.travelers.com/home-insurance/discounts (accessed 2026-10-01)
- American Family Safe, Secure, Smart Home discount: a smart home device or home security system can qualify; the page's meta description says the technology 'can lead to a 5% home security discount': https://www.amfam.com/insurance/home/discounts/safe-secure-smart-home-discount (accessed 2026-10-01)
- Lemonade homeowners and renters: protective devices such as deadbolts, burglar alarms and smoke alarms get a discount: https://www.lemonade.com/faq (accessed 2026-10-01)
- Progressive: many insurers offer discounts for video surveillance cameras and security systems with alarm, door/window and motion sensors; monitored smoke detectors may earn a fire alarm credit: https://www.progressive.com/answers/will-security-system-lower-insurance/ (accessed 2026-10-01)
- Delaware DOI: at least 5% for smoke detector, burglar alarm or deadbolts; up to 15% or 20% for sophisticated sprinkler plus fire and burglar alarm ringing at monitoring stations: https://insurance.delaware.gov/divisions/consumerhp/default-2/alerts_homeownerdamagecontrol/ (accessed 2026-10-01)
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