ILC ARTICLE

Why home CCTV won’t lower your insurance


Video doorbells and home security cameras are becoming increasingly popular. But if you think these new technology innovations will lead to you getting a discount on your home insurance, you are mistaken.

Industry experts say insurers are measuring whether your home is at risk of burglary based on 10-year-old guidelines, because insufficient research has been done on the effectiveness of the new devices, such as the Amazon-owned doorbell Ring.

“For the vast majority of providers, there is limited-to-zero benefit for your insurance premium if you get video home security or a video doorbell installed — that’s the blunt truth,” said Chris King, head of home insurance at Compare the Market.

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