It is a fair question, and one we hear often: if I put in cameras and an alarm, will my home insurance go down? The honest answer is sometimes, and it depends on your insurer. Let us walk through what actually moves the needle so you can have a smart conversation with your broker.
We are security installers, not insurance brokers, so confirm any discount details with your own provider.
The Short Answer
Many Alberta insurers do offer discounts for monitored security systems. The size of the discount varies by company and policy, and not every device qualifies. Cameras alone may help less than a monitored alarm system, because insurers care most about reducing the chance and cost of a claim.
So yes, security can lower your premium in many cases, but it is not guaranteed, and the amount differs. Check current rates and discounts with your insurer.
What Insurers Tend to Reward
From what we see, insurers generally place the most value on systems that help prevent or limit a loss. That commonly includes:
- Monitored burglar alarms. A monitoring centre that can dispatch help is often the strongest factor.
- Monitored fire or smoke detection. Anything that limits fire damage is attractive to insurers.
- Water leak detection. Frozen-pipe and water claims are common in Alberta, so leak sensors can matter.
Security cameras support these by providing evidence and deterrence, but on their own they may carry less weight than monitoring. If a premium discount is a goal, professional monitoring is worth discussing. Monitoring is optional with us, but it can be the piece that unlocks a discount.
Why "Monitored" Is the Magic Word
A camera that only records does not call for help. A monitored system does. Insurers reward the second because it can shorten response times and reduce the size of a claim.
With Loch, monitoring is available as an option, and you can cancel with 30 days notice. You also own your equipment outright, so you are not renting hardware just to qualify for a discount. See how this works on our home services page.
How to Ask Your Insurer
Before you buy, or right after you install, call your broker and ask:
- Do you offer a discount for a monitored alarm system?
- Does it need to be professionally monitored, or does self-monitoring count?
- Do fire, smoke, or water-leak sensors qualify too?
- What documentation do you need from my installer?
We can provide a description of your installed system and confirmation of monitoring so you have the paperwork your insurer asks for.
Beyond the Discount
Even if the premium savings are modest, security has real financial upside. A faster response to a break-in, fire, or leak can mean a smaller claim, a lower deductible hit, and far less disruption to your life. For many homeowners, avoiding a major loss matters more than the monthly discount.
A well-placed camera at a back door or detached garage also deters trouble in the first place, which is the cheapest kind of protection there is. If you want to plan camera placement properly, our local team can help.
Local Help in the Edmonton Area
We serve Edmonton, Leduc, Sherwood Park, St. Albert, Beaumont, and the surrounding corridor. Because we are local and you own your equipment, you can build exactly the system your insurer rewards without locking into a long contract. See our pricing page for how we structure costs.
FAQ
Will cameras alone lower my premium? Possibly, but insurers usually reward monitored alarm systems more than cameras alone. Ask your provider directly.
Do I need professional monitoring to get a discount? Often yes. Many insurers require monitoring for the discount. With us, monitoring is optional, but it can be the qualifying piece.
What proof will my insurer want? Usually a description of the system and confirmation of monitoring. We can provide that documentation.
Get a Free Assessment
We will help you design a system that protects your home and gives you the documentation to take to your insurer. Book a free, no-pressure assessment by calling 825-957-1200 or visiting our contact page.