What do I really need in a home secutiry system??

I am considering purchasing a home security system and am trying to figure out what I really need, not what the sales guys says that I need. My question is regarding the cell guard which kicks in if my home telephone line is cut/no longer working. The cost is $250-$300 installation + $11/month in monitoring. So it’s not cheap. Is this worth it (how often will my home line really be out???) or just a waste of money?

Any advice from others who faced this question? Thanks!!

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