How Video Surveillance Can Benefit Homeowners

As a homeowner or business owner, you understand the importance of protecting your property from theft, vandalism, and other criminal activities. One of the most effective ways to do this is by installing security cameras. But did you know that having security cameras installed can also help lower your insurance rates? In this article, we’ll explore the impact of security cameras on insurance rates and why it’s worth considering investing in this technology.

Reduces the amount of risk of insurance

First and foremost, insurance companies are in the business of mitigating risk. They want to make sure that their clients are taking all the necessary steps to minimize the likelihood of a claim being made. Having security cameras installed is one such step. When insurance companies see that you have security cameras in place, they know that your property is less likely to be targeted by criminals. This reduces the likelihood of you filing a claim, which in turn reduces the amount of risk that the insurance company takes on.

Impact insurance rates

The impact of security cameras on insurance rates can vary depending on the type of property you own and the type of insurance you have. For example, homeowners insurance policies typically offer discounts of up to 20% for homes that have security cameras installed. This discount can be even higher if you have other security features in place, such as alarms and motion sensors. Similarly, businesses that have security cameras in place may qualify for lower premiums on their commercial property insurance policies.

Provided with discounts

It’s important to note that not all insurance companies offer discounts for security cameras, and the discounts that are offered may vary depending on the provider. Additionally, the type of security cameras you install may also impact your insurance rates. For example, cameras that are connected to a professional monitoring service may offer greater discounts than standalone cameras that are not monitored.

Accelerate resolution process

Despite these variations, it’s clear that having security cameras installed can have a significant impact on your insurance rates. In addition to potential discounts, having cameras in place can also help expedite the claims process in the event that you need to file a claim. The footage captured by the cameras can serve as valuable evidence in determining the cause of the loss and in helping to resolve the claim more quickly.

Other benefits

Finally, it’s worth noting that the impact of security cameras on insurance rates goes beyond just the financial benefits. Installing cameras can also give you peace of mind knowing that your property is being monitored and protected. This can help reduce stress and anxiety, which can have positive impacts on your overall health and well-being.


In conclusion, installing security cameras is a smart investment for any homeowner or business owner looking to protect their property from criminal activities. Not only can cameras help deter criminal activity, but they can also help lower your insurance rates and expedite the claims process if needed. If you haven’t already done so, consider investing in this technology to help safeguard your property and enjoy the many benefits that come with it.