# Have ADT SmartThings? Check with your homeowners insurance!

**URL:** <https://community.smartthings.com/t/have-adt-smartthings-check-with-your-homeowners-insurance/160396>\
**Category:** Connected Things\
**Tags:** adt\
**Created:** [April 8, 2019, 4:06pm UTC](https://community.smartthings.com/t/have-adt-smartthings-check-with-your-homeowners-insurance/160396 "2019-04-08T16:06:12Z")\
**Posts on this page:** 2\
**Page:** 1

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**Author:** ![BigHoss](https://yyz2.discourse-cdn.com/smartthings/user_avatar/community.smartthings.com/bighoss/32/93450_2.png) [@BigHoss](https://community.smartthings.com/u/BigHoss)\
**Post date:** [April 8, 2019, 4:06pm UTC](https://community.smartthings.com/t/have-adt-smartthings-check-with-your-homeowners-insurance/160396/1 "2019-04-08T16:06:13Z")

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Just something to consider. I have checked with my insurance company (State Farm) on the homeowners policy discount for having monitored security service (not even fire and safety) and they offer a discount that for me is $600.00 / year. When you pay the ADT in advance it’s $258.99 / year. (Even cheaper with initial setup) so you are money ahead getting professional monitoring.

Of course a LOT of this is dependent upon your local juristdiction and the required permits and fees… Here it is only $25.00.

Just something to consider… I know lots of folks are balking at the monitoring rates ADT is getting compared to companies like Ring. I figure to get both security and home automation the extra isn’t that much, and with the insurance discount, it’s more or less paid for with change.

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**Author:** ![jkp](https://yyz2.discourse-cdn.com/smartthings/user_avatar/community.smartthings.com/jkp/32/117130_2.png) [@jkp](https://community.smartthings.com/u/jkp)\
**Post date:** [April 8, 2019, 4:10pm UTC](https://community.smartthings.com/t/have-adt-smartthings-check-with-your-homeowners-insurance/160396/2 "2019-04-08T16:10:14Z")

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There is a faq thread …

> [@FAQ: How to get alarm certificate for Insurance company using Smartthings? (2018)](https://community.smartthings.com/t/faq-how-to-get-alarm-certificate-for-insurance-company-using-smartthings-2018/131024):
>
> I currently have Smartthings as my home monitoring. But that does not qualify for an Alarm certificate for insurance companies. What is the easiest and/or cheapest way to get home monitoring that would be certified by insurance companies, while also continuing to use Smartthings, and not having to make a huge investment in another service. Thanks.