Monitored vs Self-Monitored Home Security Systems Compared
How each type responds to an alarm, what it costs to run and the questions to ask before choosing.
In this guide
Key takeaways
- Professionally monitored systems send alerts to a monitoring center that can contact emergency services.
- Self-monitored systems send alerts to your phone, and you decide what to do.
- Professional monitoring usually has a monthly fee and sometimes a contract.
- Many cities have alarm permit rules and false alarm fines, so check local rules.
Introduction
Home security systems have changed a lot. Alongside traditional alarm companies, there are now many systems you install yourself and control from your phone. The biggest choice is who watches for alarms: a professional monitoring center, or you.
This guide explains how each option works, what it costs and how to choose.
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How professional monitoring works
With a professionally monitored system, your sensors and cameras connect to a monitoring center that's staffed around the clock.
- A sensor is triggered, for example a door opens while the system is armed.
- The monitoring center receives the alert.
- An operator tries to contact you to check whether it's a real emergency.
- If it's real, or they can't reach you, they can contact police, fire or medical services.
Many systems also monitor smoke, carbon monoxide and water leaks, which can be valuable when you're away from home.
How self-monitoring works
A self-monitored system sends alerts directly to your phone. When a sensor is triggered or a camera detects motion, you get a notification and decide what to do: check the camera, sound the siren or call 911 yourself.
Self-monitoring works well when you can reliably respond. It's less effective if you're asleep, in a meeting, traveling or somewhere without a phone signal.
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Not now, show me another guide →Costs compared
| Professionally monitored | Self-monitored | |
|---|---|---|
| Equipment | Bought upfront or included with a contract | Bought upfront |
| Installation | Professional or DIY | Usually DIY |
| Monthly fee | Yes, for monitoring | None, or optional fees for features like video storage |
| Contract | Sometimes required | Rarely |
| Who responds | Monitoring center | You |
When comparing costs, add up the equipment, any installation and all monthly fees over the length of any contract. A low equipment price can come with a longer contract.
Hybrid and on-demand monitoring
Some systems let you switch between the two. You might self-monitor most of the time and add professional monitoring by the month, for example while you're on vacation. This can suit people who want flexibility without a long-term contract.
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Features to check on any system
- Backup connections: a cellular backup keeps the system working if your Wi-Fi or internet goes down.
- Battery backup: keeps the system running during a power cut.
- Sensors available: door and window sensors, motion sensors, glass-break sensors, smoke, carbon monoxide and water leak sensors.
- Video storage: whether recordings are saved in the cloud, on a local card, or both, and what that costs.
- Privacy settings: who can see your video, and options such as two-factor sign-in.
Local rules and insurance
Many cities and counties require alarm permits or registration, and some charge fines after a number of false alarms. Check your local rules before you set up a monitored system.
Some home insurers offer a discount for monitored alarm systems. Ask your insurer whether they do, and what proof they need, such as a monitoring certificate.
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Questions to ask before you buy
- Is there a contract, and what happens if I cancel or move?
- What's the total cost over three years, including equipment and fees?
- Does the system have cellular and battery backup?
- Which sensors are included, and what do extra ones cost?
- Can I install it myself, and can I take it with me if I move?
Wired vs wireless systems
Older alarm systems were wired into the walls, which made them reliable but harder to install and move. Most systems sold today are wireless: sensors run on batteries and talk to a central hub.
- Wireless systems are quicker to install, easy to expand and can move with you, which suits renters. Sensor batteries need replacing from time to time.
- Wired systems don't rely on sensor batteries, but installation is more involved and usually done by a professional.
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Cameras and video doorbells
Cameras and video doorbells can work on their own or as part of a larger system. When comparing them, check:
- whether recordings are stored in the cloud (often a monthly fee) or locally on a memory card or hub
- the field of view and night vision quality
- whether the camera needs a power outlet, hardwiring or batteries
- security features such as encryption and two-factor sign-in
The Federal Trade Commission recommends changing default passwords, keeping camera software updated and turning on two-factor sign-in where it's offered.
Watch out for high-pressure sales
The Federal Trade Commission warns about door-to-door security sellers who pressure people into long contracts or falsely claim to be from an existing alarm company. If you sign a contract in your home, the FTC's Cooling-Off Rule generally gives you three business days to cancel.
Get written quotes, read the contract in full and make sure every promise the salesperson makes is written into it.
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Conclusion
Professional monitoring offers round-the-clock response for a monthly fee. Self-monitoring costs less to run, but depends on you being available to respond. Think about how often you're away, how quickly you can react to an alert and the total cost over time, then choose the setup that fits how you live.
Common questions
Does a monitored alarm lower home insurance costs?
Some insurers offer a discount for monitored systems. Ask your insurer directly, as discounts and requirements vary.
Can I install a monitored system myself?
Yes. Many systems with professional monitoring are designed for DIY installation.
What happens to a self-monitored system if my internet goes down?
Unless it has cellular backup, it may not be able to send alerts. Check whether the system offers a backup connection.
Sources and further reading
This guide is general information. Follow the manufacturer's instructions and local rules, and use a licensed professional for electrical work you're not comfortable doing.
