Understanding High Value Carrier Requirements for Home Protection Systems

As a homeowner with a high-value property, you've been advised by your insurance professional that installing fire and burglar alarm systems is necessary to meet high-value carrier compliance requirements. Beyond compliance, these systems significantly enhance your home’s protection.

This guide will help you understand common carrier requirements, provide practical guidance on selecting appropriate fire and burglar alarm systems, and outline steps to ensure compliance and possibly qualify for premium discounts.

Let’s get started:

Common Carrier Requirements for Home Protection Systems

Fire Alarm Systems

• Required by all major high-value insurance carriers.
• IMPORTANT: Central monitoring vs. local alarms: Many carriers mandate central monitoring, meaning the system alerts a third-party service, not just the homeowner.
• Smoke detectors should be interconnected and strategically placed throughout the home.

Burglar Alarm Systems

• Some carriers, like AIG and Chubb, require professionally installed burglar alarms.
• Systems must include motion detection, entry sensors, and glass-break sensors.
• IMPORTANT: 24/7 monitoring is required, with alerts sent to a professional security service.

How to Conform to Carrier Requirements

• Assessing Your Current Systems: Use the Carrier-Specific Requirements table to determine whether your system meets installation, monitoring, and equipment requirements.
• Upgrading Your Home Protection Systems: Work with approved security providers to install compliant systems (See Recommended Security Providers Based on Carrier Requirements). Ensure central professional monitoring is in place and not just local alerts to your phone.
• Documentation & Certification: Obtain an alarm certificate from your security provider and keep all monitoring agreements and proof of installation on file.

Carrier Requirements - Fire & Burglar Alarms