Our experience:
Our security system was a knee-jerk result of a family issue, nothing out there in the community. We went with a DIY system by SimpliSafe, not only easy to self-install in 2-3 hours but also relatively inexpensive. Monitoring is non-mandatory and non-contract at $15/month. We leave our monitoring on all the time because the resulting discount we get in our homeowners insurance for having a security system covers a large portion of the cost of monitoring. Still, after all is said and done, a security system here is a personal preference, not a necessity.
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