Homeowners are increasingly turning to smart technology to improve safety and security, reduce the risk of damage, and help them qualify for homeowners’ insurance discounts.
Many insurance companies reward homeowners who install devices that reduce the risk of fire, theft, or water damage. Depending on the technology, you could qualify for discounts ranging from 2% to 20%. Here’s a look at the top smart technologies for improving home safety and qualifying for insurance discounts.
Full home security systems: Up to 15% off
Comprehensive home security systems offer the biggest bang for your buck. These setups typically include contact sensors, cameras, motion detectors, and alarm panels. Systems from brands like Abode, SimpliSafe, and Vivint provide all-in-one protection and often integrate with third-party devices like leak or smoke detectors.
Insurers see these systems as a major risk reducer, and many offer discounts of 5% to 15% — or even more if professional monitoring is included. To qualify, insurers may require that sensors be installed on all entry points and systems meet certain specifications, so be sure to check your provider’s fine print.
Security cameras and video doorbells: 2% to 5% off
A single outdoor camera or video doorbell — especially one with motion detection, HD recording, and smartphone alerts — can earn you a small discount.
These devices can deter thieves, help document incidents, and act as a first line of defense against property damage. Connecting via your home Wi-Fi, Smart doorbells allow you to interact with someone at your front door even if you’re not home by using an app on your phone. And the best part is that you see them, but they don’t see you.
Smart locks: 2% to 5% off
Forgot to lock the door? Smart locks can solve that by letting you use a smartphone app to control access remotely, create temporary passcodes for guests, and avoid the risks of lost keys.
Insurance companies may offer modest discounts for homes with smart deadbolts or keypad locks, particularly if installed on all external doors.
Leak detectors: 2% to 5% off
Water damage is one of the most common and costliest insurance claims. Smart leak detectors — like those from Flo by Moen, Honeywell, or Phyn — can alert you at the first sign of leakage and even shut off the water supply automatically. You simply place sensors in high-risk areas like under your dishwasher, under sinks, and behind your fridge; if they detect liquid, you’ll be alerted on an app.
Other devices detect water running in pipes when it should not be. Some systems can be paired with a water shut-off valve in case a leak is detected.
Smart thermostats and garage door openers: 2% to 5% off
Smart thermostats can reduce the risk of frozen pipes by maintaining safe indoor temperatures during cold spells. Likewise, smart garage door openers alert you if the door is left open, helping prevent theft. The app will allow you to shut the door remotely, wherever you are.
How to claim your discount
To make sure you get the insurance savings you deserve:
- Contact us before purchasing devices to confirm what qualifies.
- Ask whether professional installation is required.
- Provide documentation once devices are installed.
- Inquire about bundling discounts for multiple smart devices.
A smarter, more secure investment
If you are interested in discounts you may qualify for with your insurer, please give us a call. We can go through the above technologies and other ways you can enjoy a premium reduction.
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