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Even if you feel like you live in a "safe neighborhood," you ought to have some type of security system. Burglars tend to avoid houses with security systems. According to a University of North Carolina at Charlotte survey of convicted burglars, 83 percent said they would try to determine if an alarm were present before attempting a burglary, and 60 percent said they would seek an alternative target if there was an alarm. You don't have to be wealthy to afford a home security system. "Ten or 15 years ago, systems were at a price point where they were difficult to afford, but now there are a ton of affordable options for homeowners on any budget," says Merlin Guilbeau, executive director and chief executive of the Electronic Security Association. There are also financial advantages. Many insurance companies offer discounts on home insurance premiums when homeowners install an alarm system or security equipment. Self monitoring or professional system?As more home automation technology emerges, a growing number of homeowners are opting for self monitored security equipment over systems that are monitored by professional security companies. Indeed, nearly half of Americans 49 percent say they are open to installing their own home security system, according to a 2016 LivSecure survey. Of course, there are pros and cons of taking this DIY approach. Because there's no monthly fee, many self monitoring systems are cheaper than professional home security systems.

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