Insurers prefer gated communities with both 24-hour manned security gates and 24-hour security patrols, as they offer the highest level of security and lower the risk of burglaries and other threats. Homes in these communities may enjoy the biggest discounts on their home insurance premiums, up to 20 percent. Homes in communities with automatic gates may enjoy a smaller discount, while those in single-entry communities may see the smallest reward. Homes in neighborhoods with zero security features are not likely to get a discount.