Guide by an independent Vivint Authorized Dealer
Vivint Home Insurance Discount: How Much and How to Claim
A monitored Vivint system qualifies for a home insurance discount of 5 to 20% on the annual premium with most United States insurers, and the discount is claimed by sending the insurer Vivint's Certificate of Installation from the Account Center. This guide states the typical discount range, the 3 steps to claim it, which devices raise the discount, and the break-even against the monitoring fee.
Prices and terms verified October 7, 2026. Vivint sets all prices; dealer promotions are listed separately.
How Much Is the Insurance Discount for a Vivint System?
The insurance discount for a Vivint system is 5 to 20% of the annual home insurance premium, depending on the insurer and on whether the system is professionally monitored; self-monitored systems earn a smaller discount or none, and a professionally installed, centrally monitored system with fire and water sensors earns the top of the range.
How Do You Claim the Discount?
To claim the discount, follow the 3 steps below: download the Certificate of Installation from the Vivint Account Center (or request it from support with your insurer's name, agent, and fax number), send it to your insurance agent, and ask the agent to apply the protective-device discount from the next renewal.
The 3 steps:
- Get the Certificate of Installation from the Vivint Account Center or support.
- Send it to your insurance agent with the policy number.
- Confirm the discount appears at renewal and after any equipment additions.
Which Vivint Devices Increase the Discount?
3 Vivint devices increase the insurance discount beyond the base intrusion credit: monitored smoke and CO detectors (fire credit), water sensors (water-damage credit with some insurers), and smart locks or cameras counted as theft deterrents by some carriers.
Does the Discount Offset the Monitoring Fee?
The discount offsets part of the monitoring fee: a $1,800 annual premium discounted 10% saves $180 per year, which covers about 7 months of HomeProtect monitoring at $24.99; the home security value guide adds burglary-rate data to the calculation.
| Annual premium | 10% discount | 15% discount | Annual monitoring |
|---|---|---|---|
| $1,200 | $120 | $180 | $299.88 |
| $1,800 | $180 | $270 | $299.88 |
| $2,400 | $240 | $360 | $299.88 |
Frequently Asked Questions
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