Burglar Alarm – worth telling insurer I have one?



Despite having a ADT burglar alarm installed, I am finding that it does not reduce the cost of my home insurance. I.e. the quotes are the same whether I say yes or no to the burglar alarm questions.

Bearing this in mind, I don’t think its worth telling the insurer about the alarm as it isn’t improving the price and if I ever forget to turn the alarm on and then get burgled, then they may reject my claim. But is there any downside risk if I don’t tell the insurer about the alarm?



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