Saving on Home Insurance With Better Security Measures

At Honey Badger Defense, we spend a lot of time thinking about security—how to strengthen it, how to simplify it, and how to help people feel more confident in their homes and daily lives. But what many homeowners don’t realize is that improving home security doesn’t just offer peace of mind—it can actually save you real money on your home insurance premiums.

Insurance companies love risk reduction. The more you do to deter burglary, prevent damage, and enhance overall safety, the less likely you are to file a claim. Below are some of the most effective security measures that can not only help keep your home and family safe, but can also qualify you for meaningful discounts on your home insurance.

1. Monitored Burglar Alarm Systems: Your Biggest Potential Discount

A monitored security system—one that notifies a professional security company or monitoring center when triggered—can be one of the strongest ways to reduce your home insurance bill.

Why insurers reward this:

• Professionally monitored alarms reduce the likelihood of successful break-ins.

• They speed up emergency response times, limiting damage and loss.

• Insurers have statistical data showing homes with monitored systems file fewer claims.

How much you can save:

Discounts can vary, but monitored alarm systems typically qualify homeowners for 5% to 20% off annual premiums, depending on the insurer and system type.

Bonus tip:

Make sure your alarm company provides documentation—insurance companies often require proof of monitoring for the discount to apply.

2. Deadbolts: A Small Upgrade With Big Impact

Deadbolts may seem simple, but they’re still one of the most effective and reliable home-security upgrades.

Why insurers reward this:

• Deadbolts reduce forced-entry success rates.

• They’re inexpensive risk mitigators with a measurable impact.

Potential discount:

Homeowners can often receive 2% to 5% discounts just for having insurer-approved deadbolt locks on all exterior doors.

Pro tip from the Honey Badger team:

Choose ANSI Grade 1 deadbolts for maximum durability. Many insurers prefer or even require them for eligibility.

3. Security Cameras: Visible Deterrence, Documented Protection

Security cameras—especially those with cloud storage, motion alerts, and night vision—offer both prevention and documentation.

Why insurers reward this:

• Cameras deter burglars before a crime occurs.

• They help validate events if a break-in or property damage occurs.

• They improve overall situational awareness around the home.

Potential discount:

Some insurers offer up to 5% off premiums for verified camera systems, particularly those integrated with alarms or monitoring services.

Honey Badger recommendation:

Choose cameras that store footage securely and offer remote access. If they’re battery-backed or solar powered, even better—security shouldn’t fail when the power does.

4. Combine Security Measures for Maximum Savings

Each security measure offers its own reduction, but using multiple methods together not only improves your home’s safety—it can stack your savings.

For example, a homeowner with:

• A monitored alarm

• Deadbolts

• Exterior cameras

…can potentially unlock significant, cumulative discounts depending on the carrier.

Some insurers even offer “enhanced security” or “protected home” bonus discounts for homes with layered defenses.

5. Additional Ways to Save

Beyond the big three, homeowners can often improve their premiums by adding:

• Smart smoke and carbon monoxide detectors

• Reinforced windows or security film

• Smart doorbell cameras

• Flood and freeze sensors (especially helpful in basements or winter climates)

Even small upgrades can make a difference in your overall risk profile.

Final Thoughts: Security Is an Investment, Not Just an Expense

At Honey Badger Defense, we teach people every day that security is about preparation, prevention, and empowerment. But it’s also a practical financial decision. Insurance companies recognize the value of strong home security—and they reward homeowners who take it seriously.

Whether you're improving safety for your family, reducing your risk of break-ins, or simply looking for ways to lower monthly costs, enhanced home security systems provide real, measurable benefits.

If you're looking to learn more about strengthening the safety of your home or building a personal protection plan that works for you, Honey Badger Defense is here to help you every step of the way.

Stay safe. Stay empowered. Stay prepared.