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Requirements

Alarm system to qualify for home insurance discount
Low monthly fees
Remote access via iPhone

Solution

Honeywell Lynx 5100 kit  – $300
Wifi module for Honeywell Lynx
AlarmRelay for monitoring – $9/month

OR

SimpliSafe

http://simplisafe.com/package?sku=23#utm_medium=cpc&utm_source=amazon&utm_content=Alarm+System+Wireless