To contextualise this, in the UK we usually declare whether we have an alarm during the application for insurance, and we pay a larger premium if we don't have

To contextualise this, in the UK we usually declare whether we have an alarm during the application for insurance, and we pay a larger premium if we don't have an alarm / other security. So these people have benefitted by having a lower premium because they have an alarm and then not used it / found it inoperable in the event of a burglary.