Monitored Alarm System Discount
A professionally monitored alarm system may help reduce home insurance costs. The key word is monitored. Self-monitored systems, app-only alerts and camera-only systems are often not enough to qualify for an insurer’s monitored alarm discount.
This page is for general education only. Alarm discounts, certificate requirements, burglary monitoring, fire monitoring, water detection, high-value home requirements and eligibility vary by insurer.
How monitored alarm discounts may work
A monitored alarm discount is usually based on a professional monitoring centre receiving alarm signals and dispatching or contacting the proper emergency response process when needed. This is different from a system that only sends alerts to your phone.
Discounts can vary widely. Some insurers may offer no discount, while others may offer meaningful savings depending on what is monitored. A broad practical range can be from 0% to 20%, but your actual savings must be confirmed with your broker or insurer before you buy a system.
Discount is not guaranteed
Some insurers give little or no discount for alarms, while others may give larger savings for professionally monitored systems.
Protection matters either way
Even if the discount is small, a monitored alarm can still help protect your home, belongings and loved ones.
Self-monitored systems are usually not enough for the insurance discount
Many modern systems include cameras, app alerts, door sensors, motion sensors and smart-home controls. Those features may be helpful, but they are not always considered a professionally monitored alarm for insurance discount purposes.
A self-monitored system usually means you receive the notification and decide what to do. A professionally monitored system usually means a monitoring station receives the signal and follows an emergency response procedure.
Do not assume “smart home security” equals “insurance alarm discount.”
App alerts, local sirens, cameras, cloud video, smart locks and doorbell cameras can be useful, but insurers often want proof of central-station or professional monitoring before applying a monitored alarm discount.
What type of alarm system may qualify?
Every insurer is different, but the largest discounts usually require more than a basic camera system. Professionally monitored burglary and fire monitoring often earns a larger discount than burglary monitoring alone. Some insurers may also provide additional savings for monitored water detection or leak detection.
| System Type | Insurance Discount Impact |
|---|---|
| No alarm system | No alarm discount. Standard underwriting and pricing apply. |
| Self-monitored cameras or app alerts | Usually not recognized for a monitored alarm discount. Some insurers may recognize connected-device features, but do not assume. |
| Local siren only | Usually limited or no discount because there is no professional monitoring centre dispatching or responding. |
| Professionally monitored burglar alarm | May qualify for an alarm discount if the insurer accepts the monitoring certificate. |
| Professionally monitored burglar and fire alarm | Often eligible for a larger discount because both theft and fire response are monitored. |
| Professionally monitored burglar, fire and water detection | May qualify for additional savings with some insurers, especially if the water detection system meets their requirements. |
| High-value home alarm requirement | Some insurers may require a professionally monitored alarm system for homes over certain values as a condition of coverage. |
Burglar, fire and water monitoring can be treated differently
Not all monitored alarms are equal from an insurance point of view. A burglar alarm may reduce theft exposure, while a monitored fire alarm may help reduce the response time to a fire event. Water detection or leak detection can help reduce water damage severity if the system is monitored and accepted by the insurer.
If your system has burglar and fire detection, you may receive a larger discount with some insurers than if the system only has burglar monitoring. Some insurers may also provide additional discounts if water detection is included and properly documented.
Burglar monitoring
May qualify for theft-related alarm discounts where professional monitoring and acceptable proof are provided.
Fire monitoring
Can be important for both discount eligibility and underwriting, especially on higher-value homes.
Water detection
Some insurers may provide extra savings or underwriting credit for monitored leak or water detection.
High-value homes
Some insurers may require a monitored alarm as a condition of coverage when the home value exceeds certain thresholds.
Ontario monitored alarm company directory
The directory below is only a starting point for your own research. It includes major providers and Ontario alarm companies that may offer monitored security services. Before relying on any system for an insurance discount, confirm the plan is professionally monitored and ask the alarm company for a monitoring certificate that your insurer will accept.
| Company | Address | Phone | Website | Insurance Discount Note |
|---|---|---|---|---|
| TELUS SmartHome Security / ADT by TELUS | 25 York St, Toronto, ON M5J 2V5 | 1-855-615-5655 | Visit TELUS | Professionally monitored plans may qualify. Verify the exact plan, monitoring certificate, and whether burglary, fire, or water monitoring is included. |
| Bell Smart Home / Bell Security | 1 Carrefour Alexander-Graham-Bell, Verdun, QC H3E 3B3 | 1-877-852-0521 | Visit Bell | Verify current service availability and whether Bell can provide a professionally monitored alarm certificate accepted by your insurer. |
| Rogers Home Security / Xfinity Self Protection | 333 Bloor St E, Toronto, ON M4W 1G9 | 1-888-260-9880 | Visit Rogers | Verify carefully. Rogers currently promotes Self Protection. Self-monitored service is generally not the same as professional monitoring for insurance discount purposes. |
| Alarm Guard Security | 153 Bridgeland Ave, Unit #1, Toronto, ON M6A 2Y6 | 1-866-282-3331 | Visit Alarm Guard | Ask for a monitoring certificate showing professional monitoring and what alarm types are monitored. |
| Protection Plus | 11–1540 Lodestar Rd, Toronto, ON M3J 3C1 | 1-855-365-7587 | Visit Protection Plus | Confirm whether the system is monitored for burglary, fire, or both before relying on an insurance discount. |
| SafeTech Alarm Systems | 121 Willowdale Ave, Suite 202, Toronto, ON M2N 6A3 | 416-229-9902 | Visit SafeTech | Ask whether the monitoring certificate meets your insurer’s burglary and fire monitoring requirements. |
| Grand Alarms | 9000 Keele St, Unit 12, Vaughan, ON L4K 0B3 | 416-657-2100 | Visit Grand Alarms | Confirm the monitoring level and ask for insurer-ready documentation. |
| Force Security | 4065 Stanley Ave, Niagara Falls, ON L2E 4Z1 | 1-844-360-1234 | Visit Force Security | Ask whether monitoring is ULC-certified and whether the certificate shows burglary, fire, or water monitoring. |
| Canadian Security Professionals | 911 Golf Links Rd #114, Ancaster, ON L9K 1H9 | 1-877-494-9911 | Visit CSP | Ask for proof of 24/7 professional monitoring and which sensors are included in the certificate. |
| a.p.i. ALARM Inc. | 700–5775 Yonge St, Toronto, ON M2M 4J1 | 1-833-745-5632 | Visit a.p.i. ALARM | Verify monitoring certificate details and whether your insurer accepts the monitoring station. |
| Pre-Lock Security Services | 800 Petrolia Rd, Unit 1 & 4, Toronto, ON M3J 3K4 | 416-773-5625 | Visit Pre-Lock | Ask for a monitored alarm certificate and confirm insurer acceptance before relying on a discount. |
| Alarmtech Security Systems | 3–318 Neptune Crescent, London, ON N6M 1A1 | 519-636-4652 | Visit Alarmtech | Confirm central monitoring and whether the alarm company can provide proof for insurance. |
| Allfine Security | 167 Applewood Crescent, Suite #10, Concord, ON L4K 4K7 | 416-855-0101 | Visit Allfine Security | Ask for documentation showing professional monitoring and what alarm types are monitored. |
| Ontario Security Systems | PO Box 45, Grimsby, ON L3M 4G1 | 905-309-5956 | Visit Ontario Security Systems | Ask whether they can provide insurer-ready alarm monitoring confirmation. |
| A1 Security Systems | 5195 Harvester Rd, Unit 3, Burlington, ON L7L 6E9 | 905-333-4566 | Visit A1 Security Systems | Verify professional monitoring details and certificate availability. |
| Trent Security Systems | 480 The Parkway, Peterborough, ON K9J 7L9 | 705-748-2001 | Visit Trent Security | Ask for proof of 24/7 monitoring and what monitoring services are included. |
| Security ONE Alarm Systems | 363 Eugenie St E, Windsor, ON N8X 2Y2 | 1-800-265-5317 | Visit Security ONE | Confirm monitoring certificate, contract terms, and insurer acceptance. |
| United Security Systems | 2680 Matheson Blvd E, Suite 102, Mississauga, ON L4W 0A5 | 1-800-466-3348 | Visit United Security | Ask whether monitoring is ULC-certified and whether proof is accepted by your insurer. |
| PasWord Protection | 40 Wellington St N, Suite 106, Hamilton, ON L8R 1M8 | 905-546-8744 | Visit PasWord Protection | Confirm professional monitoring certificate availability before relying on a discount. |
| Apex Investigation & Security Inc. | 391 Oliver Rd, Thunder Bay, ON P7B 2G2 | 807-344-8491 | Visit Apex Security | Ask whether home monitoring documentation is available for insurance discount purposes. |
| Alliance Security Team | 299 Concession St, Suite 301, Kingston, ON K7K 2B9 | 613-547-6666 | Visit Alliance Security | Confirm the monitoring centre, certificate, and insurer recognition before buying. |
| Alarmto | 7250 Keele St, Unit 314, Vaughan, ON L4K 1Z8 | 1-888-532-2233 | Visit Alarmto | Ask for insurer-ready monitoring confirmation. |
| Alarm Systems | 260 Adam St, Belleville, ON K8N 5S4 | 613-969-5100 | Visit Alarm Systems | Verify monitoring certificate, fire/burglar monitoring, and whether the insurer accepts the documentation. |
Questions to ask before choosing an alarm system
- Does my insurer require professional monitoring to qualify for a discount?
- Will a self-monitored system qualify, or does it need central-station monitoring?
- Does the discount require burglary monitoring, fire monitoring, or both?
- Does monitored water detection create an additional discount?
- Does my insurer require a ULC monitoring certificate?
- Will the alarm company provide an insurance-ready monitoring certificate?
- Does my high-value home require monitored alarm protection as a condition of coverage?
- How much will the discount actually save on my policy?
- Will the discount offset the alarm contract cost?
- Can my broker confirm the requirements before I sign a contract?
Important alarm discount and directory disclaimer
This page is provided for general educational purposes only. It is not underwriting approval, claims advice, safety advice, security advice, alarm company recommendation, or a promise that any insurer will offer a specific monitored alarm discount, water detection discount, high-value home acceptance, or premium.
Reliable Insurance Brokers is not affiliated with any alarm company listed in the directory. We do not recommend, endorse, rank, inspect, verify service quality, verify pricing, verify contract terms, or guarantee that any alarm company listed will satisfy your insurer’s requirements.
Home insurance discounts, monitored alarm requirements, burglar monitoring, fire monitoring, water detection monitoring, high-value home alarm requirements, monitoring certificate requirements, proof requirements, coverage conditions and discount amounts are controlled by the insurer’s application, declarations page, underwriting rules, rating system, policy wording and renewal terms.
Always verify with your broker or insurer before relying on any alarm discount, and verify all alarm services, monitoring, contracts, warranties and service quality directly with the alarm company.
Continue learning about insurance savings
Water Leak Detection Discount
Learn how leak sensors and monitored water detection may help reduce water loss risk and insurance costs.
Sump Pump & Backwater Valve Discount
Learn how water protection features may help reduce basement water risk and improve eligibility.
Mortgage-Free Discount
Learn how mortgage-free status may affect home insurance savings with some insurers.
Monitored alarm system discount FAQs
How much can a monitored alarm discount save?
It varies by insurer. Some insurers may offer no discount, while others may offer larger savings. A broad practical range can be 0% to 20%, depending on what is monitored and the insurer’s rules.
Do self-monitored systems qualify for home insurance discounts?
Usually not for a monitored alarm discount. App alerts, cameras and self-monitored systems may be useful, but many insurers want professional or central-station monitoring before applying the monitored alarm discount.
Does fire monitoring increase the discount?
It can. Some insurers offer a larger discount when both burglary and fire are professionally monitored. Ask your broker how your insurer treats burglary, fire and water monitoring.
Can water detection create another discount?
Some insurers may offer additional savings for monitored water detection or leak detection, but the device and monitoring must meet the insurer’s requirements.
Do high-value homes require monitored alarms?
Some insurers may require monitored alarm systems for homes over certain values as a condition of coverage. The threshold and requirements vary by insurer.
What proof should I ask the alarm company for?
Ask for a monitoring certificate or confirmation letter showing the monitored address, what is monitored, who monitors it, and the effective date of monitoring.
Does Reliable recommend any alarm company in this directory?
No. Reliable Insurance Brokers has no affiliation with these alarm companies and does not recommend, endorse, inspect or verify the quality of any listed company.
References and further reading
These resources support the general educational information on this page. Your actual discount and alarm requirements must be verified through your own insurer and policy documents.
