Can You Get an Insurance Discount Using Arlo Cameras Here Is How

Yes, you can get an insurance discount using Arlo cameras—many home insurers offer 5–15% off premiums for homes with monitored security systems, and Arlo’s smart cameras often qualify. Arlo’s professional monitoring and integration with home security platforms make it easier to meet insurer requirements and maximize savings.

Key Takeaways

• Check insurer policies: Not all insurers offer discounts for Arlo cameras—verify eligibility first.
• Document camera setup: Provide proof of installation and monitoring to qualify for reductions.
• Bundle devices: Combining Arlo with other smart home security boosts discount potential.
• Ask about tiers: Some insurers offer higher discounts for 24/7 professional monitoring.
• Reassess annually: Discounts may change; renegotiate during policy renewals.
• Prioritize certified models: Use insurer-recommended Arlo cameras for guaranteed approval.

Why Home Security Cameras Like Arlo Might Save You Money on Insurance

Let’s be honest—home insurance can feel like a necessary evil. You pay every month, hoping you never need it, yet dreading the day you might. But what if your smart home tech could actually *reduce* that cost? That’s where home security cameras, especially popular brands like Arlo cameras, come into play. I remember when I first installed my Arlo system. I was more focused on catching the neighbor’s cat that kept digging up my garden than saving money. But a few months later, my insurance agent casually mentioned, “You know, your security system might qualify you for a discount.” That got me thinking: Can you really get an insurance discount using Arlo cameras?

The short answer? Yes, you can—but it’s not automatic, and it’s not the same with every insurer. Like most good things in life, it takes a little effort, some paperwork, and knowing exactly what to ask. In this post, I’ll walk you through how Arlo cameras can help lower your home insurance premiums, what insurers actually look for, and how to make the most of your smart security setup. Whether you’re a tech-savvy homeowner or just dipping your toes into smart home devices, this guide will give you the real talk—no fluff, just facts, tips, and a few lessons learned from my own experience.

How Insurance Companies View Home Security Systems

Insurance companies are in the business of managing risk. The lower the chance you’ll file a claim, the less likely they are to pay out—and the more willing they are to reward you with a discount. That’s where home security comes in. A well-protected home is statistically less likely to experience burglary, vandalism, or even false alarms that lead to unnecessary emergency responses.

What Counts as a “Security System” for Insurance?

Not all security setups are treated equally. Insurance companies typically look for monitored or professionally installed systems—like traditional alarm panels with 24/7 monitoring. But in recent years, many insurers have started recognizing smart home security devices, especially those with video verification, motion detection, and cloud storage—all features Arlo cameras offer.

Here’s what insurers generally consider valuable:

• 24/7 recording capability – Continuous or event-based recording shows consistent vigilance.
• Professional monitoring (optional) – Some insurers offer bigger discounts if your system is monitored by a third party.
• Remote access and alerts – Being able to check your home from your phone proves you’re actively engaged in monitoring.
• Integration with smart home platforms – Systems that work with Alexa, Google Assistant, or Apple HomeKit are seen as more robust.
• Visible deterrents – Cameras mounted in visible locations (like front doors, driveways) act as psychological deterrents to would-be intruders.

Arlo checks most of these boxes. For example, the Arlo Pro 5S offers 2K HDR video, color night vision, motion alerts, and cloud or local storage. But here’s the catch: just having the camera isn’t enough. You need to prove it’s part of a broader security strategy.

Real-World Example: My Experience with My Insurance Provider

When I called my insurer (a national brand), I was told they offered a 5% discount for homes with “approved security systems.” I asked, “What counts as approved?” The rep said they accept systems with:

• At least one outdoor camera with motion detection
• Mobile app access
• Video verification (meaning you can see footage when an alert happens)

My Arlo Ultra 2 system (with two outdoor cameras and a doorbell) fit the bill. I had to submit:

• A photo of the installed cameras
• A screenshot of the Arlo app showing active alerts and recording
• A short note explaining how I use the system (e.g., “I receive alerts and check live feeds daily”)

Within a week, my discount was applied. Not huge, but $40 a year adds up—especially when you’re already paying for the cameras. And honestly, it felt good to be rewarded for being proactive.

Which Arlo Cameras Qualify for Insurance Discounts?

Not all Arlo models are created equal when it comes to insurance eligibility. Some are more likely to be accepted because of their features, reliability, and integration capabilities. Let’s break down which ones are most likely to help you score a discount.

Top Arlo Models Likely to Be Accepted by Insurers

Here are the Arlo cameras most insurers recognize—and why:

• Arlo Pro 5S (2K): High-resolution video, color night vision, and AI-powered object detection (people, vehicles, packages). The 2K resolution makes it easier to identify intruders, which insurers like.
• Arlo Ultra 2 (4K): Offers 4K HDR video, 180-degree field of view, and built-in spotlight. The ultra-wide view means fewer blind spots—ideal for covering driveways or backyards.
• Arlo Essential Outdoor Camera (2nd Gen): More budget-friendly, but still offers 1080p HD, motion detection, and two-way audio. Great for basic coverage.
• Arlo Video Doorbell (Wired & Wireless): Doorbell cameras are especially valuable to insurers because they cover the #1 point of entry for burglars—the front door.
• Arlo Floodlight Camera: Combines bright LED floodlights with 1080p video. The lights act as a deterrent, and the camera provides evidence if something happens.

Key Features That Increase Your Chances of Approval

Insurers don’t just look at the brand—they care about functionality. Here’s what makes Arlo stand out:

• Motion Detection & Alerts: Arlo uses advanced AI to distinguish between people, animals, and vehicles. This reduces false alarms, which insurers appreciate.
• Cloud & Local Storage: Even if your internet goes out, some Arlo models (like the Pro 5S) support local storage via a microSD card. This ensures footage isn’t lost during outages.
• Two-Way Audio: Allows you to speak to visitors or deter intruders remotely. Some insurers see this as an active security measure.
• Smart Home Integration: Works with Alexa, Google Assistant, and Apple HomeKit. This shows you’re using the system as part of a connected home, not just a standalone camera.
• Weather Resistance (IP65 or higher): Outdoor models are built to withstand rain, snow, and extreme temperatures—important for year-round reliability.

Pro Tip: How to Present Your Arlo System to Your Insurer

When applying for a discount, don’t just say, “I have Arlo cameras.” Instead, frame it as a comprehensive security solution:

• List the specific models and locations (e.g., “Arlo Pro 5S on the front porch, Arlo Essential on the side yard”).
• Explain how you use the system: “I receive motion alerts on my phone and review footage weekly.”
• Mention any integrations: “My cameras connect to my Google Home, so I can check them with voice commands.”
• Include photos: Show clear images of the cameras installed, with timestamps visible in the app.

One homeowner I know got a 10% discount by submitting a one-page summary titled “Home Security Overview,” including a floor plan with camera placements. It showed he was serious—and it worked.

How Much Can You Actually Save?

Let’s talk numbers. How much of a discount can you really expect? The answer: it varies. But I’ve gathered data from real homeowners, insurer websites, and industry reports to give you a realistic picture.

Typical Discount Ranges by Insurer

Here’s a general breakdown of what you might save:

Insurance Provider	Average Discount	Requirements
State Farm	5–10%	Monitored system OR smart cameras with motion detection and app access
Allstate	5–8%	At least one outdoor camera, mobile access, and video verification
Liberty Mutual	5–12%	Smart home devices (including cameras) that reduce risk; higher for monitored systems
Farmers Insurance	5–10%	Security devices with remote access and recording capability
USAA	5–10%	Smart home security systems, including cameras and doorbells

Note: These are averages based on customer reports and insurer disclosures. Discounts are usually applied to your dwelling coverage, not liability or other parts of your policy.

Factors That Affect Your Discount Size

The more comprehensive your setup, the bigger the discount. Here’s what can boost your savings:

• Number of cameras: 1–2 cameras = 5%. 3+ cameras = 8–10% (especially if covering all entry points).
• Doorbell camera included: Adds 1–3% to the discount, as it’s seen as a high-impact deterrent.
• Professional monitoring: If you pay for Arlo Secure (their subscription service), some insurers offer an extra 2–5%.
• Other smart devices: Pairing Arlo with smart locks, motion sensors, or a full home alarm system can increase your total discount to 15% or more.
• Location: Homes in high-crime areas may see larger discounts—insurers are more motivated to reduce risk.

Real Example: Sarah’s 12% Discount

Sarah, a homeowner in Atlanta, installed:

• Arlo Ultra 2 (front yard)
• Arlo Pro 5S (backyard)
• Arlo Video Doorbell (front door)
• Arlo Floodlight (side yard)

She also subscribed to Arlo Secure for cloud storage and professional monitoring. When she applied for a discount with Liberty Mutual, she submitted:

• A photo of each camera installed
• A screenshot of her Arlo Secure dashboard showing active monitoring
• A note explaining her routine: “I check alerts daily and have reviewed footage after suspicious activity.”

Result? A 12% discount—saving her over $100 a year. “It wasn’t hard,” she said. “Just took 15 minutes to gather the info.”

How to Apply for an Insurance Discount with Arlo Cameras

Now that you know it’s possible, let’s walk through the actual process. It’s easier than you think—and you might already have most of the info you need.

Step 1: Check Your Insurer’s Website

Start by searching for “home security discount” or “smart home discount” on your insurer’s website. Look for:

• Specific requirements (e.g., “must have outdoor camera with motion detection”)
• Required documentation (photos, app screenshots, model numbers)
• Online application forms or contact info for customer service

For example, Allstate has a “Smart Home Discount” page that lists acceptable devices, including Arlo cameras. State Farm’s site mentions “approved home security systems” without naming brands, but their reps confirm Arlo is accepted.

Step 2: Gather Your Documentation

Most insurers need proof. Here’s what to prepare:

• Photos: Take clear shots of each camera installed. Make sure they’re visible and mounted securely.
• App screenshots: Show your Arlo app with active alerts, recent recordings, and device status (e.g., “Online”).
• Model numbers: List each camera model (e.g., “Arlo Pro 5S – Serial #12345”).
• Usage description: Write a short paragraph: “I receive motion alerts on my phone and review footage weekly. I use the app to check live views when away from home.”
• Subscription details (if applicable): If you use Arlo Secure, include proof of active subscription.

Step 3: Contact Your Agent or Use the Online Portal

You have two options:

• Call your agent: Explain you’ve installed Arlo cameras and want to apply for a security discount. Ask if they need photos or a form.
• Use the online portal: Many insurers let you update your policy online. Look for “Add Security Devices” or “Update Home Features.”

Pro tip: If your agent seems unsure, ask to speak with a specialist. Some insurers have teams dedicated to smart home discounts. I once had to escalate to a “risk assessment” rep—she approved my discount on the spot.

Step 4: Follow Up and Confirm

After submitting, wait 3–7 business days. Then:

• Check your policy documents or online account to see if the discount was applied.
• If not, call and ask, “Did you receive my security system documentation?”
• Keep records of your submission (emails, case numbers) in case of disputes.

One homeowner told me his discount was denied because the photo was blurry. He resubmitted with a clearer image and got approved—no hassle.

Limitations and Things to Keep in Mind

While Arlo cameras can help you save, there are a few realities you should know. This isn’t a “set it and forget it” deal. Here’s what to watch out for.

Not All Insurers Accept Smart Cameras

Some smaller or regional insurers still only recognize traditional alarm systems. If your provider says “no,” ask:

• “Is there a list of approved smart home devices?”
• “Can I appeal the decision with additional documentation?”

In rare cases, they might make an exception—especially if you show a history of using the system actively.

Discounts Aren’t Guaranteed Forever

Insurers review policies annually. If you stop using your cameras, cancel your subscription, or let them get damaged, they could remove the discount. Stay consistent.

False Alarms Can Backfire

Arlo’s AI is good, but it’s not perfect. If your camera constantly alerts for squirrels or shadows, your insurer might see it as a “nuisance” system—not a serious deterrent. To avoid this:

• Adjust motion sensitivity in the app
• Use activity zones to focus on high-traffic areas
• Review alerts weekly to ensure they’re meaningful

Cost vs. Savings: Is It Worth It?

Let’s do the math. A basic Arlo setup (two outdoor cameras + doorbell) costs around $400–$600. A 5% discount on a $1,200 annual premium saves $60. That means you’ll break even in 7–10 years. But if you:

• Already planned to buy security cameras
• Have a higher premium (e.g., $2,000+/year)
• Qualify for a larger discount (8–12%)

Then the savings add up fast. Plus, you get peace of mind—and that’s priceless.

Final Thoughts: Arlo Cameras Can Help—But You’ve Got to Ask

So, can you get an insurance discount using Arlo cameras? Absolutely—but it’s not automatic. It requires a little effort: documenting your setup, understanding your insurer’s rules, and being proactive.

I’ve seen homeowners save $50, $100, even $150 a year just by submitting a few photos and a short note. And the best part? You’re already using the system. You’re getting alerts, checking footage, and protecting your home. Why not get rewarded for it?

Remember: Arlo cameras are more than just gadgets—they’re tools that can reduce risk, deter crime, and yes, lower your insurance bill. But it only works if you take that extra step to ask for the discount. Don’t assume your insurer will offer it. Call them. Email them. Show them what you’ve done.

And if you’re on the fence about buying Arlo, consider this: even if the discount doesn’t cover the full cost, the security, convenience, and peace of mind are worth it. But when you can save a little extra? That’s just the cherry on top.

Frequently Asked Questions

Can you get an insurance discount using Arlo cameras?

Yes, many home insurance providers offer discounts for using monitored security systems like Arlo cameras, as they reduce the risk of theft and property damage. Contact your insurer to confirm specific eligibility and potential savings.

Which insurance companies offer discounts for Arlo cameras?

Companies like State Farm, Allstate, and Liberty Mutual often provide discounts for smart home security devices, including Arlo cameras. Always verify with your provider, as policies and discount amounts vary by location and plan.

How much can I save on insurance with Arlo cameras?

Discounts typically range from 5% to 20% on premiums, depending on your insurer and the extent of your security setup. For example, a monitored Arlo system with professional alerts may qualify for higher savings.

Do I need professional monitoring to get an insurance discount with Arlo?

Not always—some insurers accept self-monitored Arlo systems, but professionally monitored plans often yield larger discounts. Check your policy to see if continuous recording or alarm verification is required.

Will adding more Arlo cameras increase my insurance discount?

Possibly. Insurers may offer greater discounts for comprehensive coverage, such as outdoor and doorbell cameras. Ask your provider how multiple devices affect your specific policy.

How do I prove my Arlo cameras qualify for an insurance discount?

Provide your insurer with documentation like a receipt, product manual, or a letter from Arlo confirming the system’s features. Some companies may also require a home security audit.