Getting Your Insurance Discount: What Proof Do You Need? (Security Certificates)
You've made a smart move by investing in a Kangaroo home security system. Beyond the invaluable peace of mind, you're also positioned to unlock a significant financial perk: a discount on your homeowners or renters insurance. But how do you actually get it?
Most insurance providers are happy to lower your premium when you can prove you've taken steps to reduce risk. They're not just going to take your word for it, though. You need to provide concrete proof. This is where a security certificate comes in, and at Kangaroo, we make getting it simple.
This guide will walk you through exactly what you need to do to claim your well-deserved insurance discount.
Why Insurers Offer Discounts for Security Systems
Before we dive into the "how," let's quickly cover the "why." From an insurer's perspective, it's all about risk management. A home equipped with a security system, especially one with professional monitoring, is statistically less likely to be burgled. Smoke, water, and climate sensors further reduce the risk of fire and water damage claims.
By offering you a discount, your insurance company is rewarding you for being a lower-risk policyholder. It's a true win-win: you get a safer home and a lower bill, and they get fewer claims to pay out. Discounts can be substantial, often ranging from 5% to 20% off your premium.
The Golden Ticket: Your Alarm Monitoring Certificate
The single most important piece of evidence you can provide to your insurer is an Alarm Monitoring Certificate. This official document serves as proof that your property is protected by a 24/7 professional monitoring service.
Self-monitored systems are great, but from an insurance standpoint, professional monitoring is the gold standard. It means that when an alarm is triggered, a certified team is immediately notified and can dispatch emergency services—police, fire, or medical—on your behalf. This rapid response can dramatically minimize loss and damage, which is exactly what insurers want to see.
How to Get Your Kangaroo Security Certificate
If you're subscribed to our Kangaroo Complete Protect plan, you have access to 24/7 professional monitoring and are eligible for the maximum insurance discount. We've made getting your certificate incredibly easy.
After you've activated your Kangaroo system and subscribed to the Complete Protect plan, you will receive your official security certificate. This document will list the types of monitoring active at your property, which can include:
Burglary and Intrusion: Monitored protection from our Motion + Entry Sensors and Siren + Keypad.
Environmental Hazards: Early alerts for leaks and climate changes from our Water + Climate Sensor.
This certificate is the official proof your insurance provider needs to apply your discount.
Don't Just Stop at Burglary: Maximize Your Savings
To get the best possible discount, you'll want to show your insurer that you're protected against more than just break-ins. Comprehensive protection demonstrates a proactive approach to home safety.
Consider adding these Kangaroo devices to your system, as many insurers offer tiered discounts for multiple layers of protection:
Water + Climate Sensor: Water damage is one of the most common and costly home insurance claims. Early detection of leaks or freezing pipes can save thousands in damages and significantly lower your risk profile.
Doorbell Camera + Chime: While not always a direct factor for all insurers, video verification can deter porch pirates and provide valuable evidence if a theft does occur.
Let Dory Do the Heavy Lifting for You
We know that dealing with insurance companies can sometimes be a hassle. That's why we created Dory, Kangaroo's own insurance concierge service.
Instead of you having to call your agent, decipher their requirements, and email documents back and forth, Dory handles it all. Once you have your Kangaroo system and Complete Protect plan, our Dory team can contact your insurance provider on your behalf to ensure you're getting the maximum discount you qualify for. They know exactly what information to provide and how to get your savings activated.
As one happy customer, Robert, put it: "Saved $21 on my home insurance by just clicking a button. Kangaroo made it super easy and even did all the work to get in touch with my insurance to get that discount activated!"
Your 3-Step Action Plan to Get Your Discount
Ready to start saving? Here's all you need to do:
Secure Your Home: If you haven't already, build your ideal Kangaroo security system. For maximum insurance discounts, be sure to include a variety of sensors and cameras.
Subscribe to Complete Protect: Upgrade to our Complete Protect plan to activate 24/7 professional monitoring. This is the key to unlocking the best insurance perks.
Claim Your Certificate & Contact Your Insurer: Once your system is active, you'll receive your security certificate. You can then either send this to your insurance agent yourself or let our Dory concierge service handle the entire process for you.
Investing in your home's security is one of the smartest decisions a homeowner or renter can make. At Kangaroo, we're committed to not only making that security simple and affordable but also ensuring you reap all the financial rewards that come with it. Check out our full range of products today and see how much you could save.
