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One thing that is necessary is a professional monitoring option, which is available on all of the best home security systems. These monitoring plans require monthly subscription fees that vary in price, but they are still cheaper than traditional home security plans. Further, having a monitored security system installed in your home also qualifies for a discount on most home insurance plans, which can offset some of the cost of the subscription fee. In my experience, the discount on my home insurance covered about 25 percent of the subscription of an average plan, but your mileage may vary depending on your location and the size of your home. The system will work without a professional monitoring plan, but SimpliSafe offers two no contract plans that include both police and fire department alerts. The basic $15 per month plan supports all of the SimpliSafe’s sensors, has 24/7 monitoring, and cellular backup in case your Wi Fi network goes down. The more expensive $25 per month plan adds the ability to control the system from your phone, unlimited backup recording for SimpliSafe’s cameras, and smart home integrations. It’s a little frustrating that SimpliSafe gates the smart home integrations and smartphone app behind its most expensive plan, but it’s less expensive than a traditional security system and can be canceled and restarted at any time. Home automation allows you manage features of your home — such as lights and door locks — with a mobile app or via voice commands. This means you can perform tasks like closing your garage door, adjusting your thermostat, or turning on lights even if you’re not at home. Most home security providers offer home automation and include a variety of smart home devices.
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Common items that you may Cover for both your home and personal belongings, should an unexpected event cause loss or damage to your property.