Most companies require a central reporting alarm system if a residence is over a certain value. This is to include intrusion, smoke and fire. However, it is a good idea for any homeowner to consider installing one.
If you are at work all day and the house is unattended or if you are on vacation, should someone break in or a fire start, the alarm will notify the local authorities and they will be able to reach your residence in a very short time. This may save your personal property or your home. There is a discount on your insurance policy if you have a central reporting alarm. You just have to get in the habit of setting it each time you leave the house.