Homeowners across Colorado are paying closer attention to how their homes are protected and not just for peace of mind. In 2026 insurance carriers continue to view well protected homes as lower risk which can translate into premium discounts over time. When a home is less likely to experience theft vandalism or undetected damage insurers are often more comfortable offering better pricing and steadier renewals.
A qualified home security system does more than protect your property. It can also reduce the likelihood of insurance claims and help stabilize homeowners insurance costs year after year. From basic monitored alarms to more advanced systems that include cameras fire detection and smart home technology the right setup can play a real role in both safety and long-term savings.
How Much Can a Home Security System Save a Colorado Homeowner?
For many Colorado homeowners a qualifying home security system can reduce homeowners insurance premiums by an estimated 2% to 10% depending on the carrier and the level of protection in place. Basic local alarms or self-monitored setups usually qualify for smaller credits. Professionally monitored burglary systems tend to land in the middle. Systems that include professional monitoring along with fire heat and carbon monoxide detection are more likely to reach the higher end. Does a Ring doorbell count? Not exactly. Cameras are helpful but most carriers reserve meaningful discounts for systems that can detect an event and trigger a verified response.
Looking at this through a 2026 lens some homeowners may see modest savings while others may qualify for higher credits depending on how their system is set up. A professionally monitored system with multiple monitored protections can sometimes reach an estimated 5% to 15% range depending on the carrier and the home. In a few cases combined burglary and fire monitoring credits may go higher though that varies by carrier and policy form and is never guaranteed.
In dollar terms a 2% to 10% discount on a $2,500 annual policy works out to roughly $50 to $250 per year and higher premiums scale accordingly. If a household qualifies closer to a 5% to 15% tier that same policy could save roughly $125 to $375 per year. These savings add up over time especially when paired with fewer claims and smoother renewals.
Carrier considerations in Colorado: Many standard carriers commonly offered through Colorado broker networks require proof of professional monitoring before applying a security discount. Examples often include Travelers Safeco Auto-Owners and Progressive. Higher value carriers such as Chubb PURE and Cincinnati Insurance tend to look at security systems as part of a broader protective profile. In those cases, the benefit may show up through eligibility improved terms and long-term pricing stability rather than a single large line-item discount.
What Security Systems Usually Qualify for a Home Insurance Discount in Colorado?
Most insurance carriers in Colorado focus on whether a system actively reduces risk rather than simply recording video. A video doorbell can be useful for awareness, but it rarely qualifies on its own. The key difference is professional monitoring which connects the system to a central station that can respond when something happens.
Professional Monitoring: This is the most common requirement for an insurance discount. Carriers typically want 24/7 monitoring through a central station that can contact you and dispatch police or fire services when an alarm is triggered. Alarm companies usually provide a monitoring certificate and without it the discount is often not applied. If you use Ring Alarm with Professional Monitoring, you can usually generate a monitoring certificate inside the app or online which helps with verification.
Central Station Standards: Some carriers prefer or require monitoring through a UL listed central station especially for higher credit levels. This can matter more for homes in foothills mountain or wildfire prone areas where response reliability is closely reviewed and insurers want consistent alarm handling.
Recognized Burglary Protection: Qualifying systems usually include door and window sensors motion detection a control panel and an audible siren tied to professional monitoring. Cameras alone are rarely enough because they do not interrupt a loss or trigger a response.
Fire and Carbon Monoxide Monitoring: Monitored smoke heat and carbon monoxide detection can increase discount eligibility. In Colorado these features are especially relevant due to wildfire exposure gas appliances and attached garages. Early detection can reduce the severity of a loss which is why carriers place additional value on these protections.
Common Systems That Often Qualify When Monitored: Brand matters less than monitoring and documentation. Systems commonly found in Colorado homes that often qualify when professionally monitored include ADT Vivint Ring Alarm with Professional Monitoring SimpliSafe with monitoring and Alarm.com based systems offered through local providers. Always confirm the exact requirements with your carrier since rules can vary by policy type.
Is Your Home Well Protected? Contact Us to See What You Can Save
Home security systems are first and foremost about protecting your home and the people inside it. Any insurance savings should be viewed as a bonus rather than the main reason to install a system. The best approach is to choose a setup that fits your home your location and your lifestyle and then confirm which features your insurance carrier recognizes.
To review your options and confirm available discounts reach out to us. Castle Rock Insurance and its partners can help evaluate your current system coordinate monitoring documentation and make sure you are receiving every credit you qualify for while supporting long term protection and peace of mind.
