Does a Home Security System Lower Home Insurance in Canada? (2026 Guide + Calculator)
Yes, a monitored alarm system lowers your home insurance in Canada by 5-20%. That’s $75 to $300 a year on
Protect your home or business with Force Security's advanced, meticulously tailored security alarm systems. Serving Niagara Region, Hamilton, and Toronto for 37+ years.
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Trusted Since 1988
Home & Business Security Systems in Niagara Falls, Hamilton & Toronto
5,000+ systems installed across the Niagara Region, Hamilton & GTA. No contracts. No pressure. Just great security.
Force Security installs and monitors home alarm systems, security cameras, and smart home security across the Niagara Region, Hamilton, and Greater Toronto Area. Every system comes with 24/7 ULC-certified monitoring from a Canadian centre. Your alarm goes off, a real person picks up in seconds. Not minutes.
We're a Canadian family-owned company based in Niagara Falls. Been here since 1988. Our technicians live in the neighbourhoods they install in. They know how break-ins happen around here, what entry points get targeted, and what actually works to stop it. No one-size-fits-all packages. No upselling you gear you don't need.
What We Do
Security & Smart Home Solutions
Home Alarm Systems
Business Security
Security Cameras
24/7 Monitoring
Access Control
Fire Protection
Smart Doorbells
Smart Locks
Intercom Systems
Medical Alerts
Construction Sites
Panic Buttons
Environmental Monitoring
Smart Thermostats
Garage Door Control
Building Automation
Condo Security
Retail Security
Vacation Homes
Hotel Security
Healthcare Security
Warehouse Security
Residential Security
Home Alarm Systems & Smart Home Security
We install home alarm systems (wireless and wired) for homes across Niagara Falls, St. Catharines, Welland, Hamilton, Burlington, Toronto, Mississauga, and beyond. But it's not just about break-ins. You also get fire and smoke detection, CO monitoring, water leak sensors, medical alert pendants for seniors, and security cameras you can check from your phone.
Want the full smart home experience? Add video doorbells, smart locks, smart thermostats, and garage door control. Everything runs through one app. We also offer vacation home monitoring so your cottage or seasonal property stays protected year-round. A technician walks your property before anything gets installed. They look at your doors, windows, sightlines, and the stuff most people don't think about. Then they build a system around how your family actually lives. No upfront cost options available. And most homeowners in our area see their insurance drop 5-20% after installation. We give you the certificate your insurer needs.
Explore Home Security →Commercial Security
Business Security Systems in Niagara Falls, Hamilton & Toronto
We've been protecting businesses across Niagara, Hamilton, and the GTA for over 37 years. Retail security, warehouses, restaurants, offices, and condo and apartment security. Our commercial alarm systems cover intrusion detection, security cameras with remote video monitoring, and access control so you know exactly who's entering your building and when. ULC-certified monitoring that most insurance companies want to see on file.
A strip mall in Welland doesn't need the same setup as a warehouse in Hamilton. We look at your space, figure out where the weak spots are, and put together something that actually makes sense for your operation. Need intercom systems, panic buttons, or ULC S561 fire monitoring? We do that too. Add building automation for smart HVAC and lighting control, environmental monitoring to catch water leaks and freezer failures, or business security cameras with commercial fire monitoring. Lots of our business clients see their insurance premiums drop after installation.
Explore Business Security →
Proven Track Record
Why Choose Force Security?
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Years in Business
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Happy Clients
24/7
Professional Monitoring
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Canadian Owned
Fully Insured, Bonded & Locally Operated
We're based in Niagara Falls. Not a call centre in another province. Our technicians live in the same cities they work in. If something goes wrong with your system, you're not calling an 800 number and waiting three days. You're talking to people who actually know your area.
✓ ULC-Certified Monitoring
ULC is the highest certification for alarm monitoring in Canada. It's what insurance companies look for when they're deciding whether to give you a discount. We have it. Most of the big-box companies don't.
✓ Local Technicians
Our installers aren't contractors from out of town. They're experienced professionals who know the Niagara Region, Hamilton, and GTA inside out.
✓ Built for Your Property
We don't sell packages off a shelf. A technician walks your property, looks at entry points and blind spots, and puts together a system that fits the way you actually live and work.
The Difference
Force Security vs. Big Alarm Companies
| Force Security | ADT, TELUS, Vivint | |
|---|---|---|
| Canadian family-owned | ✓ | ✕ |
| No long-term contracts | ✓ | ✕ |
| ULC-certified monitoring | ✓ | Varies |
| Local technicians who know your area | ✓ | ✕ |
| Custom system design (not off the shelf) | ✓ | ✕ |
| No high-pressure sales tactics | ✓ | ✕ |
| Free alarm system takeover | ✓ | ✕ |
| Insurance discount certificate included | ✓ | Varies |
Getting Started
Three Steps. That's It.
More Services
We Do More Than Alarm Systems
Medical Alert Systems
Your home alarm protects your property. This protects the people inside it. Fall detection pendants, GPS tracking, and one-button access to our monitoring centre. A real person picks up and sends help. We install and test everything in your home. No box shipped to your door.
Learn More →
Construction Site Security
Theft and vandalism cost local job sites millions every year. Our cameras run on solar and cellular. No WiFi, no power hookup needed. A live operator watches the feed and responds in real time. We can have cameras up on your site fast.
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Alarm System Takeover
Stuck with ADT, TELUS, or Vivint? We take over your existing equipment and switch you to Force Security monitoring. Keep your sensors and wiring. Ditch the contract. $0 assessment. Usually done in a single visit.
Learn More →
Condo & Apartment Security
Complete building security for condos and apartments. Access control for lobbies and parking garages, video intercoms, security cameras in common areas, and 24/7 monitoring. Built for property managers and condo boards across Niagara Falls, Hamilton, and the GTA.
Learn More →
Retail Security & Loss Prevention
Protect your store from shoplifting, employee theft, and after-hours break-ins. AI security cameras, holdup alarms, POS monitoring, and 24/7 remote video monitoring. Designed for retail operations from convenience stores to shopping centres.
Learn More →
Vacation Home & Cottage Security
Keep your property safe while you're away. Security cameras you can check from your phone, freeze alerts before pipes burst, water leak detection, and 24/7 monitoring. Perfect for snowbirds, cottages, and seasonal homes across the Niagara region and GTA.
Learn More →
Water Leak Detection
Burst pipes don't wait until you're home. Smart flood sensors catch leaks the moment they start. Frozen pipe alerts warn you before the damage happens. Automatic shut-off valves stop the water before your basement is destroyed. Monitored 24/7.
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Home Fire & CO Protection
Monitored smoke detectors, heat sensors, and carbon monoxide detection. When your detector goes off at 3 AM and you're not waking up, our monitoring centre is already calling the fire department. That's the protection that saves lives.
Learn More →
Smart Locks & Video Doorbells
Lock and unlock your doors from anywhere. See who's at the door before you open it. Grant temporary access codes for guests, cleaners, or dog walkers. Get alerts when someone enters. All from your phone, anywhere in the world.
Learn More →Common Questions
Common Security Questions
How much does a home security system cost in Niagara, Hamilton, or Toronto?
It depends on the size of your home and what you want covered. Most people spend somewhere between $500 and $1,500 for equipment and installation. Monthly monitoring runs $30-$60. If you don't want to pay anything upfront, we have no upfront cost options too. You just pay the monthly monitoring fee and the equipment is included.
What areas do you serve?
We cover the Niagara Region (Niagara Falls, St. Catharines, Fort Erie, Welland, Port Colborne, Grimsby, Lincoln, Thorold), the Hamilton area (Hamilton, Burlington, Stoney Creek, Ancaster, Dundas), and the GTA (Toronto, Mississauga, Brampton, Oakville, Milton, Ajax). We also reach Guelph, Cambridge, Kitchener, Waterloo, and Brantford. Not sure if we cover your area? Just call and ask.
Is your monitoring ULC-certified?
Yes. ULC is the highest standard for alarm monitoring in Canada. Our monitoring centre has that certification, which means it meets strict national safety and reliability requirements. It also matters for insurance. A lot of insurers won't give you the full discount unless your monitoring is ULC-certified.
What's the difference between wireless and wired alarm systems?
Wireless is easier to install. No drilling through walls, so it's usually the better call for existing homes. Wired is rock solid and works great if you're building new or doing a major reno. Honestly, both do the job well. When we come out and look at your home security system, we'll tell you which one makes more sense and why.
Can I control my security system from my phone?
Yep. You get a mobile app that lets you arm and disarm your system, check your security cameras, lock and unlock doors, and get alerts when something happens. Works from anywhere. At the office, on vacation, wherever.
What happens if my alarm goes off?
The signal goes straight to our 24/7 monitoring centre over a cellular connection. An operator picks up, calls you to check if it's real, and asks for your verbal password. If you don't answer or you confirm there's a problem, they send police, fire, or EMS right away. The whole thing usually happens in under 60 seconds.
Do you require long-term contracts?
No. We don't lock you into multi-year deals like TELUS, ADT, or Vivint do. You stay because the service is good, not because you're stuck in a contract you can't get out of. Thinking about switching? Check out our alarm system takeover service.
Will a security system lower my home insurance?
Usually, yes. Most insurance companies knock 5-20% off your premiums when you have a professionally monitored alarm. ULC-certified monitoring like ours gets you the biggest discount because it's the standard insurers actually trust. We hand you a monitoring certificate after installation so you can send it straight to your insurer.
Can I switch from ADT, TELUS, or Vivint to Force Security?
Yep. We do alarm takeovers all the time. In most cases we can keep your existing sensors, wiring, and even the panel. We reprogram it, hook it up to our monitoring centre, and you're done. Usually takes one visit. No charge for the assessment.
Do your systems work during a power outage?
Yes. Every panel we install has a battery backup that keeps things running for hours. The cellular connection to our monitoring centre stays active the whole time. If the backup starts running low, the system sends us an alert. You're never unprotected because the hydro went out.
Our Service Area
Security Systems Across Niagara, Hamilton & GTA
Don't see your city? We serve many communities across the Niagara Region, Hamilton, and the GTA. Call us at 1-844-360-1234 to confirm coverage in your area.
Get Started
Get a Free Security Quote for Your Niagara, Hamilton, or GTA Property
Tell us a bit about your property and what you're looking for. We'll get back to you with real pricing. Not a ballpark range from a website calculator.
Real pricing, not a sales pitch
We quote based on your actual property. Not a generic price sheet that changes once someone shows up.
Quick reply from our Niagara team
A real person reads your form and gets back to you. Usually the same day.
Honest recommendations
We'll tell you what you need. And more importantly, what you don't.
Prefer to talk? Call us at 1-844-360-1234. We can usually provide guidance and pricing in just a few minutes.
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