Self-monitored or third-party-monitored? The right answer depends on response time, your insurer, and what happens at 2am.
Every alarm system has the same problem: when it goes off at 2am on a Tuesday, who actually does something about it? Modern panels push notifications to your phone instantly — but if you’re asleep, on a plane, or just on Do Not Disturb, the notification doesn’t help. This post walks through the self-monitored vs third-party-monitored decision the way we work through it on a real site visit.
Up front: Comsys installs alarm hardware. We do not run a 24/7 monitoring centre. Where the discussion below recommends third-party monitoring, that’s a service from a specialist NZ provider; we set up the comms path and the account hand-off, but the contract is between you and the provider.
An alarm system on its own is local: when triggered, it sirens, strobes, and (on modern panels) sends a push notification to your phone. Whether anyone responds depends on you, your neighbours, or whoever sees the notification. Monitored means the panel additionally reports each event to a 24/7 control room. The control room verifies the event (often by phoning you), and if it’s genuine, dispatches a guard or notifies police.
Modern alarm panels (Paradox, Ajax, Bosch, Inner Range) push instant notifications to your phone with full event detail (which sensor, what time, what type of event). If you’re available and able to act, this works well: you check the live CCTV from the same app, decide if it’s real, and call police or a neighbour as appropriate.
Where it falls down: you’re asleep, you’re overseas, you’ve got phone notifications muted in a meeting, your phone is dead, you’re running a multi-site business and one alarm is one of dozens of events you’re trying to handle. Self-monitored relies on you being available, fast, and decisive at every triggering event.
The panel reports each event to a 24/7 control room (e.g. ADT, Stanley, FIRST Security, Onyx, Chubb, regional providers). Within typically 60–180 seconds:
For most sites, dispatch happens within 5–15 minutes for guard response and immediately for police notification. The whole process is logged and time-stamped.
Police don’t typically respond to unverified alarms in NZ — most are false. Most insurers know this. So the question becomes: when something genuine happens, how fast does someone competent get to the site?
| Scenario | Typical response time |
|---|---|
| Self-monitored, you’re awake and available | Immediate notification, action depends on you |
| Self-monitored, you’re asleep / overseas | Indeterminate — could be hours or never |
| Monitored, basic residential | 2–5 min to phone-verify, police notified if unverified |
| Monitored with video verification | 1–3 min to confirm via CCTV, faster police priority |
| Monitored with guard response | Guard on-site in 15–45 min depending on location |
Self-monitoring is free; the cost is your time and reliability. Third-party monitoring is $25–$200+/month depending on tier (residential basic vs commercial with guard response). For a typical Auckland small commercial site, $50–$85/month buys 24/7 phone verification and police notification — about $600–$1,000 a year, less than the excess on a typical burglary claim.
For high-stakes sites (late-night hospitality, jewellery, electronics) the $150–$200/month tier with guard response is usually the cleaner answer because it removes the police-dispatch dependency.
Many sites run both: monitored for the rare 2am event, plus self-monitoring app notifications for day-to-day visibility. The monitoring contract is your safety net; the app gives you operational awareness. Most modern panels support both simultaneously without extra cost on the hardware side.
Alarm system installation · Alarm monitoring cost guide · What insurers want from your security system
Indicative supplied-and-installed price for a Comsys CCTV system. Move the inputs to match your site — the calculator updates live.
This calculator is a guide only. Final pricing depends on the site visit — specific camera models, mounting access, cable routing, and any access control or alarm integration can move the number up or down. We always quote in writing after a free on-site assessment, with brand and model itemised so you can see exactly what you’re paying for.