I am in the Bay Area and use Bay Alarm - I have “retrofitted” it so I can see all my sensors through ST - the discount they give me is based on a package of things so I am not certain exactly what the % is. However, active response gets the larger of the discounts from passive - i.e. notify the police. Also having recorded CCTV provides incremental discount - DropCam works good with ST and the CVR (Cloud Video Recording) from them is sufficient for most insurance companies. Plus you can now see who is at the front door without getting up from the couch. 