okay, home insurance specs are not based just on the alarm panel, but how it is installed.
The insurance may have very specific criteria ie installed to a certain grade and that would have to be certified and maintained to keep it certified or bells only. A system can be installed to a certain grade, but would usually require certification from an NSI or SSAIB company.
So if someone places a grade 1 contact on a grade 3 system, then system becomes grade 1.
A Texecom Premier Elite would be capable of what may be required along with the appropriate sensors and bell box.