It is rare, but we know of one insurer that is giving a higher discount to high risk properties (such as second homes, mobile homes, etc.) but it took special filings with the state to start the same. In general, each company has a set percentage discount for professional monitoring and differentiat...

One assist is to have a homeowner install a professional monitoring system which will qualify them for anywhere between a 8-12% discount on their policy (up to 20% with the more expensive ones). These systems range from the ADT types which run into the thousands to the FireEar type (measures just fi...