Today, with home owners trying to save money on expenses, the monthly service of their monitored security system sometimes enters this equation. A lot of home owners look at the monthly service as just monitoring of the security system; when in fact the monthly monitoring provides more value than just the security monitoring.
A majority of monitored security systems have a low-voltage smoke detector or CO detector connected to the system that can notify somebody away from the premises when there is an alarm activation. The standard (required) 120 volt smokes and plug in CO detectors will only sound locally and if there is nobody home, or the occupant is unconscious, this does not provide life safety or notify the authorities before the situation escalates.
Most alarm keypads have medical, police panic and fire emergency buttons on the face of the pad that can be pressed if there is an emergency. These features are only of value to the occupant if the system is monitored.
Check with your insurance company on the discount you can get for a monitored security system with a smoke and/or CO detector. Most alarm companies have a form that is sent to the insurance company for verification of the monitored service. Secur-Tek, Inc charges no additional monthly fees over its low monthly monitoring fees to add a smoke, CO detector or medical notification to your system.