Smart Home Insurance: Why Buy One in the US?

Understand how to purchase smart home insurance in the USA?

In recent years, smart homes have gone from being a futuristic concept to becoming a reality accessible to millions of Americans. Devices such as security cameras, motion sensors, digital locks, smart thermostats, and voice assistants are already part of the daily life of many households.

But with this transformation comes a new need: ensuring proper protection for these technological assets. That’s where smart home insurance comes in.

What is smart home insurance?

Smart home insurance is a type of homeowners insurance that considers the presence of smart devices in the home.

In addition to covering traditional risks such as fires, theft, and accidental damage, this type of insurance can also offer specific coverage for internet-connected tech devices and often even discounts for having them.

Why consider this type of insurance in the US?

The United States leads the smart home market, with millions of users adopting tech solutions for security, comfort, and energy efficiency.

However, this connectivity brings specific vulnerabilities, such as cybersecurity risks, system failures, and even increased value of protected assets. Here’s why getting smart home insurance can be a smart decision:

1. Enhanced security with reduced risks

Smart devices help prevent incidents before they happen. Connected smoke detectors can alert about fires quickly.

Cameras with motion detection warn about break-ins. Smart thermostats avoid appliance overheating. All of this helps reduce claims. and can therefore lower insurance premiums or streamline the reimbursement process.

2. Discounts from partner insurers

Many insurers in the US already offer discounts for homes equipped with smart devices, especially those focused on security. If you’ve invested in smart locks, cameras, or alarm systems, you could save between 5% and 20% on your policy.

3. Personalized coverage for technology

While traditional homeowners insurance covers items like furniture, appliances, and the physical structure, smart home insurance goes further: it also protects connected devices, including control panels, sensors, virtual assistants, and even risks related to data breaches and privacy violations.

4. Faster emergency response

In the event of a claim, technology accelerates the entire communication and damage reporting process.

Many insurers already have apps that integrate with smart home devices and allow real-time incident reporting, including images and automatic logs of the event.

5. More peace of mind for the homeowner

Knowing that your equipment, data, and security are protected brings greater peace of mind. Automation reduces the chances of human error, and insurance completes the protection cycle. In other words: even if something goes wrong, you’ll be backed by a tailor-made policy.

Which devices can be considered in the insurance?

In general, insurers in the US consider the following equipment as part of a smart home:

• Smart cameras and video doorbells;
• Connected smoke and gas detectors;
• Electronic locks and alarm systems;
• Lighting and appliances controlled by apps;
• Smart thermostats;
• Voice assistants with home integration (like Alexa, Google Home, or Apple HomeKit).

The more connected and integrated devices you have with your home’s security system, the greater your chances of getting a more comprehensive and cost-effective policy.

What about cyber risks?

This is a growing concern. Like all internet-connected technology, smart home devices can be targets for hackers, resulting in privacy breaches or even unauthorized access to your home.

Some insurers already offer optional coverage for cyber incidents, helping cover damages caused by digital attacks or personal data leaks.

How to purchase?

The first step is to evaluate what you already have in terms of home technology. Then, look for insurance providers that offer specific products for smart homes.

Compare coverages, prices, limits, and exclusions. Don’t forget to list all installed devices and, if possible, include photos and descriptions, this helps speed up the approval process and potential future claims.

Conclusion

Smart home insurance is more than a trend, it’s a response to the new reality of connected living. If you’ve already invested in automation and digital security for your home, protecting that investment with smart home insurance is the next logical step.

Besides ensuring peace of mind, this type of policy can help you save money, speed up service, and better adapt to the evolving technological demands of the modern home.

Written by

Juliana Raquel