What’s Worth Installing — and What’s Just Hype
Smart home technology has changed how we live — and in some cases, it’s also changing how much we pay for home insurance.
But not every gadget guarantees a discount, and not every insurer treats them the same way.
Here’s a breakdown of which smart devices can actually lower your premium — and which ones are just nice-to-haves when it comes to insurance.
Devices That Typically Help Lower Your Insurance Rates
Smart Smoke Detectors
Upgraded smoke alarms that automatically alert you and emergency services can earn you a meaningful discount. They reduce fire risk — one of the biggest losses insurers worry about.
Smart Security Systems
Monitored systems with alarms, cameras, and motion sensors can lower your premium. Especially if they’re professionally monitored (not just DIY).
Water Leak Sensors
Small but mighty. These devices detect leaks early — sometimes before serious damage happens. Some insurers offer discounts for having an active leak detection system.
Smart Thermostats (Sometimes)
While less common, some insurers reward smart thermostats that reduce risks like frozen pipes or overheating systems.
Smart Locks
When tied to a full security system, smart locks can sometimes factor into a minor discount. Alone, they’re less likely to make a big impact — but they still add valuable protection.
Devices That Probably Won’t Affect Your Premium
Smart Speakers
Helpful for convenience, but they don’t reduce risk — so no insurance benefit.
Smart Light Bulbs
Energy-saving? Yes. Insurance-saving? No. These don’t impact claims or risk factors.
Video Doorbells (by themselves)
While video doorbells can be part of a larger security system, having just a doorbell camera typically isn’t enough to trigger a discount on its own.
A Few Key Things to Keep in Mind
- Talk to your agent first. Not all insurers offer the same discounts, and some may require professional installation.
- Document what you have. Even if it doesn’t lower your premium, having proof of your smart devices can help during a claim.
- Layer your protection. The more you reduce your home’s risk profile — fire, theft, water damage — the more negotiating power you may have at renewal time.
Bottom Line
Smart technology can do more than make life convenient — it can strengthen your home’s defenses and sometimes even lower your insurance costs.
But it’s important to separate what’s truly protective from what’s simply cool.
If you’re considering upgrades and want to be sure you’re making the most of them (insurance-wise and otherwise), it’s smart to have a quick conversation with your agent.
A few well-chosen devices could pay for themselves faster than you think.
