How Kangaroo Security Can Help Lower Your Home Insurance Costs
When you think about home security, your first thought is protecting your family and valuables. But what if it could also protect your wallet? Installing a home security system is one of the most effective ways to lower your annual homeowners insurance premium, with some providers offering discounts as high as 20%.
It’s not just a possibility; it’s a proven benefit that Kangaroo helps our customers achieve every day.
Real Savings, Real Customers
Don't just take our word for it. See what actual Kangaroo users have to say after getting their home insurance discount.
"I didn’t even know this was possible until I contacted Kangaroo and I was offered! They contacted my insurance company and was able to save me 10% overall." — Spree R., Approved Discount
"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!" — Maria C., Approved Discount
"Kangaroo made it easy for me to save money on my insurance so I have both peace of mind from my security and extra funds to help with inflation. Thank you!" — Brandon S., Approved Discount
How Much Can You Save on Home Insurance with a Security System?
The most common question we hear is: "How much is the discount?" While the exact amount varies by insurance provider, policy, and location, the savings are significant. Discounts are often "stacked" based on the features your system has.
| Security Feature | Typical Discount Range | Relevant Kangaroo Product |
|---|---|---|
| Professionally Monitored Burglar Alarm | 5% – 20% | Complete Protect Plan (Motion/Entry Sensors, Siren) |
| Monitored Fire & CO Detection | 5% – 20% | Siren + Keypad (Listens for your existing smoke/CO alarms) |
| Water Leak & Freeze Detection | 2% – 10% | Water + Climate Sensor |
| Basic Unmonitored Alarm (Self-Monitoring) | 0% – 5% | Motion + Entry Sensors |
Disclaimer: Always confirm discount eligibility and amounts directly with your insurance provider.
Why Insurers Give Discounts: The Risk Reduction Principle
Insurance companies operate on a simple principle: the lower the risk, the lower the premium. By installing a security system, you are proactively reducing the likelihood that you'll need to file a claim. These types of discounts are common among many of the nation's largest providers, including Allstate, Liberty Mutual, State Farm, and others.
Theft Deterrence: Visible cameras, sensors, and yard signs make your home a less attractive target.
Faster Emergency Response: A professionally monitored system ensures police or fire departments are dispatched immediately, minimizing damage.
Early Hazard Detection: Sensors for water leaks or smoke alarms can prevent a small issue from turning into a catastrophic and expensive claim.
By making your home safer, you become a lower-risk client, and your insurer passes those savings on to you.
What Insurers Look For: Not All Security Systems Are Equal
To get the best possible discount, you need a system that checks the right boxes. Insurers typically categorize systems into tiers:
Basic (Self-Monitored) Systems:
These systems alert your phone but rely on you to call for help. They offer a minimal discount, if any.Professionally Monitored Systems:
This is the gold standard. A 24/7 monitoring center verifies alarms and dispatches emergency services. This feature alone unlocks the highest tier of discounts.Systems with Hazard Detection:
The biggest savings come from comprehensive systems that protect against multiple threats like theft, fire, and water damage—the most common and costly claims.
How Kangaroo Delivers the Discounts Insurers Want
This is where Kangaroo shines. It’s a smart, affordable, and flexible DIY system designed to provide the exact features insurance companies value most, helping you qualify for the maximum discount.
Professional Monitoring with the Complete Protect Plan
Insurance providers require proof of professional monitoring for their top-tier discounts. The Kangaroo Complete Protect Plan includes everything they look for:
24/7 Professional Monitoring: Our team verifies emergencies and dispatches police, fire, or medical services on your behalf.
Official Insurance Certificate: We make it easy. You can generate a professional certificate directly from the Kangaroo app to send to your insurer as proof.
Affordable Price: At just $99/year, the plan often pays for itself through the insurance savings it unlocks.
Comprehensive Hazard Detection
You can easily stack your discounts by adding smart sensors that address other major risks:
Siren + Keypad: This clever device listens for the sound of your existing UL-certified smoke and carbon monoxide alarms. If they go off, our monitoring center is instantly alerted and dispatches the fire department—qualifying you for valuable fire protection discounts.
Water + Climate Sensor: Place this sensor near sinks, water heaters, or in basements. It alerts you to the first sign of a leak and monitors for freezing temperatures, helping you prevent two of the most damaging types of home insurance claims.
An Investment That Pays for Itself
We believe security should be accessible to everyone. While any system is an investment, the math works in your favor. With potential insurance savings of over $150 a year and Kangaroo's affordable hardware, many users find their system pays for itself in 12-18 months—all while providing priceless peace of mind. Plus, because Kangaroo is a simple, tool-free DIY system, you save hundreds by not needing professional installation.
Your 4-Step Guide to Claiming Your Insurance Discount
Ready to start saving? Follow these simple steps:
Install Your Kangaroo System: Set up your DIY system, ensuring you have devices covering burglary (Motion and Entry Sensors) and hazards (Siren + Keypad, Water + Climate Sensor).
Activate the Complete Protect Plan: Subscribe to our professional monitoring plan to qualify for the highest level of discounts.
Get Your Insurance Certificate: Open the Kangaroo app and use our Discount Engine feature to instantly generate your certificate of alarm.
Contact Your Insurance Agent: Email the certificate to your provider and ask them to apply all available discounts for a "professionally monitored alarm system with fire and water protection." Be sure to verify the discount has been applied on your next bill.
Frequently Asked Questions (FAQ)
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Most homeowners can save between 5% and 20%. The largest discounts are for professionally monitored systems that also protect against fire and water damage.
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While a doorbell camera is a great deterrent, most insurers only offer significant discounts for a complete, monitored security system. A camera alone may not qualify, but it's an essential part of a system that does.
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Water damage is one of the most frequent and expensive home insurance claims. A water sensor provides early detection of leaks, preventing catastrophic damage. Insurers recognize this proactive protection and reward it with a discount, typically from 2% to 10%
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For the highest discounts (10-20%), yes. Most insurance companies reserve their best rates for homes with 24/7 professional monitoring because it guarantees the fastest possible response to emergencies.
Protect Your Home and Your Budget Today
Investing in a Kangaroo home security system is more than just buying peace of mind; it's a smart financial decision. With an affordable, easy-to-install system that meets the highest standards of insurance providers, you can secure your home and unlock substantial savings.
Don’t wait—start protecting your home and saving on insurance today. Talk to your insurer, install Kangaroo, and unlock the financial benefits of smarter home security.
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