In recent years, more homeowners have been surprised to learn that their insurance companies are requiring professional alarm monitoring services to maintain coverage. Some carriers are even cancelling or refusing to renew policies if a monitored security system is not in place.

But why is this happening, and what can you do about it?

Why Insurance Companies Are Making This Change

Insurance providers are in the business of managing risk. When claims rise due to theft, vandalism, fire, or property damage, insurance companies look for ways to reduce those risks. Having a monitored alarm system in place dramatically lowers the likelihood of large claims. Here’s why:

• Immediate Response: A monitored alarm system connects directly to a professional monitoring center that can dispatch police, fire, or medical services within seconds. This drastically reduces damage in the event of a burglary, fire, or other emergency.

• Proven Deterrent: Homes with visible security systems are statistically far less likely to be targeted by criminals, which helps reduce burglary-related claims.

• Faster Fire Detection: Insurance companies see fewer total-loss house fires when monitored smoke and CO detectors are installed.

• Documentation & Proof: Professional monitoring and integrated camera systems provide time-stamped evidence, which helps insurance companies process claims more effectively.

Put simply: insurance companies want homeowners to take proactive steps that prevent major losses, and monitored security is one of the most effective ways to do that.

What This Means for Homeowners

If your insurer requires a monitored alarm system, you may face:

• Policy cancellation if you don’t comply.

• Higher premiums for being considered “high risk.”

• Difficulty switching carriers since many insurers are implementing the same requirements.

On the other hand, if you install a professionally monitored system, you may actually save money. Most insurance providers offer discounts on homeowners’ insurance premiums—sometimes up to 20%—when you show proof of active monitoring.

How St. Louis Alarm Company Can Help

At St. Louis Alarm Company, we make it easy for homeowners to stay protected and meet insurance requirements.

• ✅ 24/7 Professional Monitoring – We partner with UL-listed monitoring centers to ensure fast response times in any emergency.

• ✅ Integrated Fire & CO Detection – Our systems don’t just detect intruders; they also protect your family from life-threatening hazards.

• ✅ Custom Security Solutions – From small homes to large estates, we design systems that fit your lifestyle and insurance requirements.

• ✅ Insurance Certificates – We provide the necessary documentation your insurance company needs to verify active monitoring.

• ✅ Smart Home Integration – Control your alarm, cameras, lights, locks, and thermostats right from your smartphone.

As a veteran-owned local company, St. Louis Alarm Company takes pride in protecting families and ensuring you never lose coverage due to a missing requirement.

Don’t Wait Until It’s Too Late

If your insurance provider has notified you about alarm monitoring requirements—or if you want to prevent unexpected cancellations—contact St. Louis Alarm Company today. We’ll walk you through the process, design a monitoring solution that keeps your family safe, and ensure your insurance stays intact.