Financial
Insurance Discount Auto-Submission
Halstead generates the certificate of monitoring and auto-files with your home insurance carrier annually. Most carriers offer 5-15% discounts on monitored homes — Halstead does the paperwork so you actually get the discount.
What it is
Most homeowners insurance policies include a discount for professionally monitored security systems — typically 5% to 15% of the annual premium. The discount requires you to submit a 'certificate of monitoring' (sometimes called an 'alarm certificate') from your security provider to your carrier annually. Most homeowners either don't know about the discount or never get around to submitting the paperwork. Halstead handles it automatically.
How it works
Step by step.
Setup at install
During or after installation, you provide your homeowners insurance carrier name and policy number. Halstead's system identifies the carrier's specific certificate format and required information.
Certificate generated automatically
Halstead generates an annual certificate of monitoring with your address, policy number, monitoring tier, monitoring contract dates, and central station UL-listing details. The certificate is signed by Halstead's compliance officer.
Submitted to your carrier directly
Halstead transmits the certificate to your carrier through the appropriate channel — direct API, secure email, or mail depending on the carrier. You receive a confirmation when the submission is complete.
Annual renewal
Each year on the anniversary of your install, Halstead automatically generates and submits a renewed certificate. You don't need to remember or do anything.
Why it matters
Insurance discounts compound over time. A 10% discount on a $2,400 annual premium saves $240 per year, $2,400 over 10 years, $4,800 over 20 years. Most homeowners never claim this discount because the paperwork is annoying. Halstead takes the paperwork out of your hands so you actually save the money you should be saving.
Common questions
Which insurance carriers does Halstead work with?+
Halstead supports automatic submission to all major US homeowners insurance carriers including State Farm, Allstate, USAA, Liberty Mutual, Farmers, Travelers, Nationwide, Geico, Progressive, and others. For smaller regional carriers, we generate the certificate and provide it to you for manual submission if needed.
How much can I save?+
Discounts vary by carrier and policy, but typically range from 5% to 15% of the annual premium. The discount applies for 'monitored' security systems with central station dispatch, which means the Pro Monitoring tier ($75/month) qualifies for the highest discounts. Premium tier customers may qualify for partial discounts depending on carrier.
Will my insurance company actually honor it?+
Yes — the discount is a standard feature of homeowners insurance policies and the certificate is the standard proof. Most carriers process it automatically when received. Occasionally a carrier will require additional documentation, in which case Halstead provides it on your behalf.
What if I have multiple homes?+
Halstead handles certificate generation and submission per property. Each Halstead-monitored home gets its own certificate sent to its respective insurance policy.