Are monitored alarm systems really worth it for a typical home?

Yes, monitored alarm systems are usually worth it for a typical home if you want alarms to be handled even when you cannot answer your phone. This is especially useful for burglary, fire, carbon monoxide, water leak, and panic alerts. A self-monitored system may be enough for a low-risk apartment where someone is almost always present, but many homeowners choose monitoring because it adds a professional response layer behind app notifications.