Homeowner's Insurance Discount For Surveillance Systems?

In my area, Alabama, it is my experience that insurance companies only offer their customers a discount for installing a monitored alarm system and not for video systems. I am currently installing both for a Regional VP of Marketing for a national insurance company. He actually brought up the point to me after being impressed with the advances that have been made with quality, usable video. He is going to be tossing the idea around with his company. I'm wondering if anyone already has an answer as to why discounts are not currently offered for surveillance.


I'm wondering if anyone already has an answer as to why discounts are not currently offered for surveillance.

Maybe because they are viewed, residentially at least, as a forensic tool more than a preventative one?

Cameras are a deterrent as well, but how can you measure how often people don't break in that would have otherwise?

On the other hand, you can look at real statistics of the number of times a break-in was detected by an alarm, which even given a high false alarm rate, gives a number that an actuary can do something with.

IMHO.