Written by Katie Zurawka – Howard Hanna Insurance
Smart home technology is revolutionizing the way homeowners safeguard their property, and insurance carriers are taking notice. Devices designed to detect danger early and alert homeowners in real time can significantly reduce the likelihood and severity of common claims. Here’s an overview of the most impactful smart devices and how they help prevent loss:
Smart Smoke & Carbon Monoxide Detectors: These advanced alarms send real-time alerts to your phone, ensuring you can act quickly even when you’re away. Faster response means less damage and greater safety.
Water Leak Sensors & Automatic Shut-Off Valves: Placed near appliances and plumbing, these sensors detect leaks early. When paired with shut-off valves, they can stop water flow automatically—helping prevent costly water damage.
Smart Security Systems & Cameras: Doorbell cams, motion sensors, and indoor/outdoor cameras deter theft and provide critical evidence if a break-in occurs. Visible security measures alone are often enough to scare o potential intruders.
Smart Locks & Entry Sensors: Control access to your home remotely and monitor doors and windows in real time. These tools offer added security and peace of mind, especially for families and frequent travelers.
Smart Thermostats with Freeze Alerts: These devices help prevent frozen pipes by monitoring indoor temperatures and sending alerts when they fall to dangerous levels.
Electrical Fire Mitigation: Ting is designed to smartly identify unique signals generated by tiny electrical arcs, the most common precursors to imminent fire risks. This device easily connects with Wi-Fi and provides real-time updates on any electrical activity through your smartphone. The US Fire Administration estimates there were 23,700 fires that resulted from residential building electrical malfunctions. https://www.usfa.fema.gov/statistics/residential-fires/electrical
By minimizing damage through early detection and automated response, smart home devices can help reduce the frequency and severity of claims. Some insurance companies also offer policy discounts for homes equipped with these technologies—making it a smart investment in more ways than one.
Protect your home and family while potentially lowering your premiums with smart technology that works for you.
