You want to know if your Ring Doorbell will be counted as a security system for your home insurance. Agitate: Most home insurance companies require some form of security system in order to give you the best rates.
Ring doorbells are becoming increasingly popular as a home security option. But does this product actually count as a security system? And will it be covered by your home insurance policy?
In this article, we’ll explore the answers to these questions and more. So if you’re considering a Ring doorbell for your home security, read on
Does a Ring Doorbell count as a security system for homeowners insurance discounts?
Yes, a Ring Doorbell can count as a security system for homeowners insurance discounts, as long as it is used in conjunction with other security measures such as motion sensors, deadbolts, and smart locks. Fully monitored security systems can often get homeowners up to a 10% discount on their insurance premiums. However, the Ring Video Doorbell typically only covers one part of the house, so it should not be relied on as the sole security measure for the home.
Can you get a home insurance discount with a Ring doorbell?
Yes, you can get a home insurance discount with a Ring doorbell. Many homeowners insurance policies offer discounts for Ring doorbell cameras, which help to keep you aware of who is at your door. Ring also makes it easy to send a professional monitoring certificate that you can submit to your insurance company.
Additionally, there may be discounts available with other smart home devices, such as smoke detectors, fire alarms, and extinguishers. It’s important to check with your insurance provider to see if you qualify for any discounts.
What Ring Products do count as a security system?
Ring Alarm System ( Ring Alarm and the Ring Alarm Pro)
The Ring Alarm System and the Ring Alarm Pro are home security systems that offer a range of features to protect any house or apartment. The security kits come with a Base Station, Contact Sensor, Motion Detector, Keypad, and Range Extender. The features of the Ring Alarm System and the Ring Alarm Pro that make them eligible for inclusion in a security system include:
- Secures up to four windows or doors
- Includes motion detection for one room
- Includes a keypad
- Built-in secure router
- Works for 1-2 bedroom homes
- DIY installation
- Mobile Alerts
- Surveillance cameras
- Smart home options
- Disaster protection (Z-Wave smoke and carbon monoxide alarm)
The Ring Alarm System is considered a security system by insurance companies and can qualify for a discount on homeowner’s insurance. This is because, with the Ring Alarm System, homeowners are provided with multi-faceted coverage that includes motion sensors, deadbolts, smart locks, and fully-monitored security systems.
By using the Ring Alarm System, homeowners are able to protect their homes inside and out, reducing the likelihood of claims being made to the insurance company and thus providing them with a discount.
In addition, homeowners can also submit a professional monitoring certificate to their insurance company in order to qualify for a discount on their premiums. This certificate is only available to those who subscribe to the Ring Protect Pro plan, however, the cost savings from the insurance discount could cover the cost of the subscription.
How can Ring Alarm help to protect your home?
Ring Alarm can help to protect your home in a variety of ways. Its starter equipment is low-priced, making it a viable option for those on a budget, and its monthly monitoring is also inexpensive. Additionally, Ring Alarm is easy to install, so you don’t have to worry about hiring a professional.
The Ring Alarm security system also offers clear 1080p resolution video, so you can always be sure to have a good view of any suspicious activities, and 60-day cloud storage so anything recorded will be easily accessible. Furthermore, Ring Alarm offers automation between its security sensors and cameras, so that when one of the sensors detects motion, your Ring Alarm System will react accordingly. This helps your smart home system work more efficiently to keep you and your loved ones safe.
Finally, Ring Alarm is constantly working to improve your home security experience. With the Ring Protect Plan Pro, you can access emergency services whenever you need them most and take advantage of video recording for your Ring devices.
Ring Alarm is an excellent security system for your home, offering low costs and easy installation, as well as great features that help to keep you and your family safe.
Other Ring Doorbell Alternatives that count as a home security system
ADT and Brinks
ADT and Brinks are two of the most popular security systems available and both offer their own distinct advantages. Both are designed to provide a secure perimeter around your home and feature motion detectors, door/window sensors, and other features. However, they differ in terms of the features they offer and the cost.
ADT offers an array of cutting-edge technology and requires a contract and professional installation. It also comes with a monthly monitoring fee starting at $46. On the other hand, Brinks is more basic and does not require a contract or professional installation. It is also more affordable, starting at $20/month for monitoring.
In terms of features, ADT offers more advanced options like Video Verification, 24/7 Live Guard, and the ability to control their system through their app. Brinks offers basic features but does include a keypad and siren. Both systems come with the ability to alert you when smoke and CO alarms are triggered.
In addition, ADT and Brinks both work with compatible Google Nest cameras, so you can access your cameras remotely. However, Brinks is not compatible with Ring devices, while ADT is.
Ultimately, both ADT and Brinks are excellent choices for home security, though they differ in terms of features and cost. Which one you choose should depend on the specific needs of your home.
Wyze Home Monitoring System
The Wyze Home Monitoring System is an affordable alternative to the Ring Doorbell and comes with a range of features that make it a great choice for those looking for a comprehensive home security system.
These features include live professional monitoring for any of the company’s cameras for just $4 per month or $40 per year, the Wyze Home Monitoring system which is the cheapest we tested and includes a year of monitoring provided by Noonlight, a free self-monitored option, sensors that work with Amazon Alexa and Google Assistant, a no-contract system with Z-Wave and Zigbee support.
A bulky base station that needs to be tethered to a router, support for more third-party products and services (including Apple HomeKit), app access and push notifications without a subscription, lower-cost monitoring plans, the option to use the Eufy as a self-monitored system or with a $10-per-month monitoring plan, the ability to add glass-break sensors, panic buttons, flood sensors, or smoke detection, and professional monitoring for $20 per month.
SimpliSafe Home security systems
SimpliSafe and Ring are two of the most popular organizations that offer DIY home security systems. Ring’s base security kits are more affordable than SimpliSafe’s, however, SimpliSafe recently changed their standard equipment warranties from three years to a 1-year limited warranty similar to Ring’s.
If you like using voice assistants, Ring’s devices are only compatible with Amazon’s Alexa, while SimpliSafe works with both Alexa and Google Assistant. One major difference is that Ring offers smart thermostat integration and SimpliSafe does not.
Additionally, SimpliSafe is a more cost-efficient, effective, and easy-to-use system than Ring, and it offers a consistent response time from a professional monitoring service. It is also scalable for both small and large homes, and it is compatible with Amazon Alexa and Google Assistant.
Is a Ring doorbell camera considered home security for insurance discounts?
Yes, a Ring doorbell camera is considered home security by insurance companies and can qualify for an insurance discount. Many insurers offer discounts for having a Ring doorbell camera because it enables you to monitor who’s at your door.
Additionally, insurance companies look for more comprehensive security systems that include motion sensors, deadbolts, smart locks, and fully-monitored security systems for larger discounts; these systems can get you up to a 10% discount.
Does Ring Alarm work with home automation devices and systems?
Yes, Ring Alarm works with home automation devices and systems. It works with Amazon Alexa and Google Assistant, as well as Z-Wave, which is one of the most popular home automation “languages.” Ring Alarm also works with certified third-party products, such as GE and Leviton lights, Schlage, Yale, and Kwikset locks, as well as IFTTT, to make other smart devices compatible with the system.
Additionally, Ring Alarm can be integrated with Ring Smart Lighting, and all Ring smart cameras are compatible with Ring Alarm. The system is also compatible with a variety of home automation products, such as Amazon and Alexa smart home devices, Chamberlain smart garage controls, and Honeywell thermostats. However, for third-party devices to work properly with Ring Alarm, they must be certified to work with Ring products, and the Ring Protect Plan Pro is needed for all motion-detected events to be recorded and properly stored.
What type of insurance discounts can Ring Alarm provide?
Ring Alarm can provide discounts on home and apartment insurance if you have professionally monitored alarm systems. With a Ring Alarm or Alarm Pro Security System, you could save up to $100 per year on home insurance. You can access a professional monitoring certificate in your Ring account settings, which you can submit to your insurance provider to apply for a discount.
In some cases, Ring offers a 5% savings on your policy if your home is burglarized and your Ring Video Doorbell is installed.
Does Ring count as a security system?
Yes, Ring does count as a security system. The Ring system allows you to build a complete home security system that includes multiple devices such as motion sensors, deadbolts, smart locks, and a fully-monitored system. This multi-faceted coverage is what insurance companies typically look for in order to qualify for a discount.
Additionally, since the Ring devices connect to the Wi-Fi, this allows for alerts and alarms to be transmitted through a mobile app, which can alert you to the presence of someone on your doorstep or near a camera.