CoverMapUK households choosing a home security system are generally comparing two different models: traditional monitored alarm companies (installer-fitted, monthly ARC monitoring contract) and self-install smart alarm brands (cheaper upfront, no mandatory monthly fee, but self-monitored unless you add a paid plan).
Monitored, installer-fitted providers
Providers such as ADT specialise in professionally installed, NSI/SSAIB-certified systems with 24/7 monitoring centre coverage and police-response options. These typically involve a fixed installation fee plus a monthly monitoring contract (often 12–36 months), and are the type of system most likely to qualify for a home insurance discount, since certification is usually part of the package.
Self-install smart alarm brands
Self-install systems let you fit sensors and cameras yourself, with an app for monitoring. They're cheaper to get started (often £190–£400 for a smart kit) and have no mandatory monthly fee, though optional cloud storage or professional monitoring add-ons usually cost extra. The trade-off is that most self-install systems aren't NSI/SSAIB certified, so they rarely qualify for an insurance discount.
What to compare before choosing
- Contract length — monitored contracts often lock you in for 12–36 months; check exit/transfer terms if you move house.
- Certification — ask directly whether the installer is NSI or SSAIB certified if an insurance discount matters to you.
- Response type — self-monitored (you get the alert) vs ARC-monitored (a monitoring centre verifies and can escalate to keyholders or police).
- Total cost over the contract — installation fee plus monthly cost over the full contract term, not just the headline install price.