Does Homeowners Insurance Cover Security Systems?

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There are many reasons homeowners opt to purchase security systems. The most obvious reason is that a central monitoring system and security cameras give you the peace of mind that your home and personal property are being surveilled, even when you’re not there.
Another great reason to purchase a security system is that it could also qualify you for home insurance discounts and lower insurance premiums.
But, if your security system were to break down — would it be covered by your homeowners insurance? Here’s what you need to know about home security systems and who to call if they break down.

Does homeowners insurance cover security systems?

No, home security systems aren’t usually covered by your insurance provider. Homeowners insurance is intended to protect your property from the listed perils on your policy. The listed perils are usually limited to inclement weather, fire, and criminal activity.
Although your homeowners policy doesn’t protect your security system, it will cover the damage and/ or loss of personal property if someone were to break into your home. Theft is listed as a covered peril in most homeowners policies.
Any damage done to your home during the break-in will also be covered. So, if a thief smashes a window or breaks a lock, your homeowners insurance will likely pay to have it fixed. This is why most insurers will give you lower home insurance rates for having a monitored home security system or an alarm system installed.

What coverage protects security systems?

Although your homeowners insurance likely won’t cover a broken security system, it may still qualify for other coverage.
For instance, home warranties cover major components of a home’s electrical system, including any direct current wiring, fans and vents, and built-in exhaust units. The cost of a home warranty is determined by the amount of coverage that you want and protects your appliances and systems from breakdowns and normal wear and tear.
Your security system may also be covered under home appliance insurance if you added that to your insurance coverage when you purchased the policy.
You may have also purchased an extended insurance warranty plan, which would allow you to claim a damaged or broken security system. Here are some elements of your home that could be covered by an extended policy:
  • Central air conditioning
  • Kitchen/laundry appliances
  • Home entertainment equipment (includes computers, peripherals, and wireless devices)
  • Power tools/shop equipment
  • Home security monitoring/control devices
  • Solar/conventional water heaters
  • Renewable heating/radiant floor heating (including solar, geothermal, and wind power)
  • Well pumps, sump pumps, pool, and spa pumps, (including heating and filtration equipment)
  • Electrical service panels
  • Portable/permanent generators
  • Water purification/filtration systems
  • Chair lifts/elevators
  • Mobile medical equipment
If you don’t have any of these forms of insurance, contact the security company that installed your security system. You may find out that your damaged system is covered under a manufacturer’s warranty.

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