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How to Buy a Home Security System

How to · Tech

How to Buy a Home Security System

A professional setup keeps your home safe for years, so wait for the right deal and spread the cost.

VoAtlas editorial Updated · 3 min read
Typical cost $700 before anything else
Across the 0% window $38.89/mo 18 months, no interest

How we got that: $700 spread evenly across the 18-month introductory window on the Citi Simplicity® Credit Card. Checked · at the bank Carry a balance past the window and the standard APR applies to what is left.

A high-definition security system is a long-term investment in your home. You want a setup that lasts five years or more, so don't rush into buying the latest release if last year's model offers the same quality for less.

Wait for Black Friday to pick up these kits. Tech companies often drop prices on older inventory then, giving you professional-grade hardware for a fraction of the original sticker price.

That 18-month window is a hard deadline, not free money. If you have a balance left when that time is up, you will start paying interest on whatever is still owed.

The steps

  1. 01

    Compare specs now

    Look at the camera resolution and storage options today. Narrow your list to two systems that meet your needs so you know exactly what to look for when sales hit.

  2. 02

    Track the pricing

    Use a price-tracking tool to see how low the system went last year. This tells you if the Black Friday discount is actually a deal or just clever marketing.

  3. 03

    Set your budget

    Aim for a $700 ceiling for a professional kit. If you stick to this, you can pay off the system at $38.89 per month over 18 months without stress.

  4. 04

    Use the right card

    The Citi Simplicity® Credit Card offers 0% for 18 months on purchases and balance transfers from date of account opening. This lets you break that $700 cost into manageable chunks while you keep your cash in your own pocket.

  5. 05

    Automate the payments

    Set up an auto-pay for $40 a month. You will clear the debt just before the 18-month window closes, ensuring the system is fully yours.

  6. 06

    Check the card terms before you commit

    Every figure we publish for the Citi Simplicity® Credit Card carries the date a person verified it against Citi and a link to where they checked. Intro windows and APRs change without notice, so confirm the current terms before applying.

    See Citi Simplicity® Credit Card terms →

Common questions

Should I pay for professional monitoring?

It depends on if you want someone to call the police for you. Self-monitoring is free, but you have to be the one to check your phone and call for help if an alarm goes off.

Is wireless or wired better?

Wired systems are more reliable since they don't lose signal or need battery changes. Wireless is easier to install if you aren't handy with tools.

Do I need a subscription?

Many cameras require a monthly fee to store your video clips in the cloud. Look for systems that let you save footage to a local drive to avoid those recurring bills.

What happens if I miss a payment?

Missing a payment can end your 0% rate early. Always set up a recurring payment so you never accidentally skip a month.