The Ring Video Doorbell can enhance home security and potentially lower your insurance costs. While not offering major discounts like full security systems, some insurers do provide smaller discounts for the added protection. This article explores how Ring products might help reduce your home insurance premiums.
Can It Get Me A Homeowner’s Insurance Discount?
The Ring Video Doorbell is useful for home security, but it usually doesn’t qualify for homeowner’s insurance discounts like traditional security systems with motion sensors and smart locks.
It primarily alerts homeowners to front door activity rather than preventing break-ins or alerting authorities. However, some insurance companies recognize its added security value and may offer a smaller discount.
While it didn’t significantly lower my premiums, the peace of mind and motion monitoring it provided were invaluable. So, while it might get you a discount, it’s not as comprehensive as traditional systems for insurance purposes.
What Ring Products Do Count As A Security System?
From my experience, several Ring products are recognized by many insurers as essential components of a home security system. These devices, including doorbells and cameras, provide a comprehensive security solution.
1. Ring Video Doorbell:
The Ring Video Doorbell transforms the way homeowners interact with visitors. With the ability to connect via smartphone, tablet, or computer, users can communicate from anywhere.
It features motion-activated alerts, two-way communication, and live video streaming, making it a robust security tool that keeps homeowners informed and in control.
2. Ring Security Cameras:
Ring offers a range of indoor and outdoor security cameras designed for real-time video monitoring. These cameras are equipped with motion detection, night vision, and customizable motion zones, ensuring continuous surveillance tailored to your home’s specific needs. Installing Ring cameras sets up a comprehensive and responsive security system.
3. Ring Alarm System:
The Ring Alarm System is a cornerstone of modern home security. The base station acts as the command center, connecting to contact sensors on doors and windows, and motion detectors that sense unusual activity.
It features a user-friendly keypad and compatibility with professional monitoring services, enhancing overall security.
4. Ring Spotlight Cam:
The Ring Spotlight Cam combines a security camera with built-in LED spotlights and a loud siren, serving as an effective deterrent.
The spotlights enhance video capture, especially at night, and the siren can deter potential intruders, adding a proactive layer to home safety.
5. Ring Stick Up Cam:
The versatile Ring Stick Up Cam is suitable for both indoor and outdoor use. It can be placed on any flat surface or mounted on a wall, providing clear video footage for various spaces.
Whether monitoring a living room or a backyard, the Stick Up Cam integrates seamlessly into any security setup.
6. Ring Floodlight Cam:
Ideal for large outdoor areas, the Ring Floodlight Cam combines a motion-activated camera with built-in floodlights and a loud siren.
It enhances visibility and security by illuminating and deterring potential threats, offering a comprehensive solution for outdoor surveillance.
7. Ring Smart Lighting:
Ring’s smart lighting products integrate easily into your home security system. These lights can be scheduled, triggered by motion, and controlled remotely, enhancing the overall safety and security of your property. Smart lighting is a valuable addition to a comprehensive security setup.
8. Ring Access Control:
Ring Access Control integrates smart locks and keyless entry systems into your security setup. This allows for remote control and monitoring of home access, adding an extra layer of security.
It combines convenience with security, enabling homeowners to manage entry with ease and assurance.
Does The Ring Doorbell Sync With the Ring Alarm?
Yes! Ring’s ecosystem integrates smart cameras, including the video doorbell, with the Ring Alarm System through the Ring app. You can link devices under Settings and Linked Devices.
Motion detected by the doorbell can trigger other devices like outdoor cameras or floodlights. The Ring Protect Plan Pro records and stores events, and professional 24/7 monitoring adds continuous security and peace of mind.
Doorbell And Alarm Alternatives Serving As Security Systems
1. ADT and Brinks:
ADT and Brinks are renowned in the security industry for their smart cameras and comprehensive solutions. Recognized by insurance companies, they offer reliability and potential discounts.
These systems feature advanced perimeter security, motion detectors, sensors, and require contracts, professional installation, and monthly fees.
Key features include Video Verification, 24/7 Live Guard, and smart home compatibility via apps, keypads, and sirens, plus smoke and CO alarms. Brinks integrates with Google Nest, and ADT with some Ring devices.
2. Wyze Home Monitoring System:
The Wyze Home Monitoring System is an affordable alternative to Ring Alarm System and Simplisafe, with live professional monitoring through Noonlight at $4/month or $40/year. It offers customizable indoor and outdoor coverage and potential insurance discounts.
Despite a bulky base station and limited third-party integration, Wyze supports Alexa and Google Assistant, operates without a contract, and provides app access with push notifications.
Eufy also offers budget-friendly options with self-monitored and professional plans, including glass-break sensors and smoke detection.
3. Security Matters:
Insurance companies now recognize the value of smart home security systems like Ring, Wyze, and Simplisafe, offering discounts for their use.
These systems provide financial savings and peace of mind by ensuring family and home safety through advanced technology.
This acknowledgement highlights their effectiveness in deterring threats and enhancing protection, marking a significant shift in home security.
More Things People Look For:
Does the Ring Count as a Security System?
The Ring Alarm is considered a home security system for insurance purposes due to its straightforward and affordable protection. While it may lack extras like additional cameras or security lighting, its upfront cost is reasonable.
The Ring Protect Pro plan, at about $20 a month, includes monitoring and provides essential security features, making it a great value in the home security market.
Is the Ring Doorbell a Security Camera?
The Ring doorbell goes beyond a traditional doorbell with its integrated camera. This device captures video and includes Two-Way Talk functionality, allowing homeowners to hear and speak with visitors directly through the app.
Users can easily access information about the product’s features within the app, making it a versatile security tool, not just a doorbell.
Is Ring a Real Security System?
Yes, both the Ring Alarm and Ring Alarm Pro are authentic home security systems designed to protect houses or apartments.
These systems come as kits, typically including a Base Station, Contact Sensor, Motion Detector, Keypad, and Range Extender. Each component is crucial in creating a comprehensive security setup, ensuring robust protection for your home.
Is a Ring Doorbell Camera Considered Home Security for Insurance Discounts?
Many insurance companies recognize Ring doorbell cameras for home security discounts. While Ring systems can qualify for discounts, comprehensive systems with motion sensors, deadbolts, and smart locks, especially if fully monitored, are more likely to secure larger discounts, up to 10%.
What Type of Insurance Discounts Can Ring Alarm Provide?
The Ring Alarm system, including the Alarm Pro, can offer significant insurance discounts. Professional monitoring can save homeowners up to $100 per year. Submit a monitoring certificate from your Ring account to your insurer to apply for the discount. Additionally, some policies may offer a 5% discount if a Ring Video Doorbell is installed.
Do All Insurance Companies Offer Discounts For Ring Doorbells?
Not all insurance companies offer discounts specifically for Ring Doorbells, but many do offer discounts for home security systems in general. It’s important to check with your insurance provider to see if they recognize Ring Doorbells as a qualifying device.
Are There Any Other Benefits of Installing a Ring Doorbell Besides Insurance Discounts?
Yes, installing a Ring Doorbell offers several benefits beyond potential insurance discounts. It enhances your home security by deterring burglars, allows you to monitor your home remotely, and can provide valuable evidence in the event of a crime or dispute. Additionally, it adds convenience by allowing you to see and communicate with visitors even when you’re not home.
Our Final Take:
The Ring Video Doorbell and other Ring products can enhance home security and may offer smaller insurance discounts.
While not as comprehensive as traditional systems, they provide valuable protection and peace of mind, potentially reducing insurance costs.