What is the Liberty Mutual Homeowner's Insurance Discount Given for Owning an Alarm System?

The Liberty Mutual homeowner's Insurance discount given for owning an alarm system varies depending on many different factors. It is impossible for us to provide an accurate estimate, as it is determined by Liberty Mutual. But we can point out factors that should lead to a larger discount.

For comparison, most insurance companies will offer a premium discount of anywhere from 5% to 20% for owning an alarm system. While these figures don't necessarily represent Liberty Mutual, they are a good starting point. But whether a user ends up at the high end or the low end of the spectrum depends on many different considerations.

First of all, your security system will most likely need to meet certain requirements for you to receive any discount from Liberty Mutual. The system will need to be connected with a 24/7 central monitoring station. Self-monitored customers normally cannot receive a discount. Additionally, the system and monitoring station may need to meet UL-listed regulations. This is offered by Alarm Grid's central station partner, Criticom.

Keep in mind that insurance discounts vary heavily based on location. Users in certain states may not be able to receive an insurance discount from Liberty Mutual for owning an alarm system. And some states may offer substantially larger discounts than other states. Talking with your local Liberty Mutual branch is usually the best option to determine any discounts.

If you want to receive a larger discount, then there may be a few things you can do. You can ensure that your system's communication path is as reliable as possible. This usually means signing-up for cellular monitoring service. This costs extra due to the data fees involved, but it provides the most consistent end user experience.

You may also want to provide both burglary and fire protection for your system. Users with both protection methods tend to receive larger insurance discounts than those with just burglary protection. Alarm Grid will test your system for both intrusion and fire so that you can send the appropriate certificate of alarm to Liberty Mutual.