Like any other "insurance" it is a personal decision.
The newer self install, wireless, units are reasonably priced.
One decide not have a security system.
Or they can install a non monitored system.
Or a monitored system.
We have a monitored system. No events of any kind for 15 years....ditto the home owners and automobile insurances (hopefully I won't regret saying that!!).
They all bring peace of mind.
When the occasional thief cases homes they are less likely to risk homes with a security system....with so many without.
Good luck in your pursuit.
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