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How Smart Home Technology Protects Your Property 

Smart home technology is a powerful tool, offering ease and convenience. It allows you to see packages delivered to your front door while not home or turn off the garage lights at a specific time. But beyond the luxury of remote controls, it gives immediate peace of mind and an extra layer of security. When adopting smart home technology, 63 percent of consumers cite family safety as the biggest motivator.

Smart home technology can allow for quick response to the unexpected and prevent further property damage. And possibly reduce insurance costs. Here are some of the most popular features:

Smart Security System

Traditional security systems alert authorities to a break-in. Smart home technology lets you keep an eye on your property from afar. If you are building a new house or planning a major renovation to your current living space, a contractor can install and integrate the complete system. You also can start small and add technology as you see fit.

Smart Door Locks

A smart lock offers automation, convenience, and security by allowing you to unlock and monitor your front door from anywhere. Additionally, by granting access to family members, friends, neighbors, in-home delivery, contractors, or housekeepers with a personal code, you can track who is passing through the front door.

Smart Security Camera 

A smart home security camera monitors your house's interior and exterior in real-time. Some security cameras send an alert when sensors detect motion and allow you to speak to visitors at the front door. So, whether at work, running errands or enjoying vacation, you will have peace of mind knowing you can be "virtually" present when someone is on your property.

Smart Water Damage Prevention 

Property damage triggered by non-weather events, such as burst pipes, cracked hoses, overflowing bathtubs, malfunctioning dishwashers, or leaky water heaters, is the primary cause of loss in a home. A smart leak detector uses sensors to detect and alert you to flooding, moisture, and mold. For instance, you can set up alerts for unusual moisture changes and stop leaks before catastrophic damage happens. Some devices will even shut off the water immediately.

Smart Fire Detection 

Traditional smoke detectors save lives and work well when you are home to hear the alarm. A smart smoke detector works similarly, but with one big difference. It immediately alerts you when the alarm is triggered, even if you are away from home. A device that notifies you of possible smoke and flames may help minimize the amount of property damage.

Insurance Incentives and Discounts 

Insurance carriers have long offered discounts to homeowners who use tools and services that keep their houses safer and more secure. Some may pay for installation or subsidize the cost of specific smart home technology to tech-savvy folks who use qualifying security systems that discourage or prevent break-ins. Thermostats, smoke detectors, carbon monoxide detectors, motion detectors, moisture sensors, humidity sensors, and security systems are among the most common devices insurance carriers want policyholders to purchase.

Since smart home technology lowers the risk profile by proactively detecting issues, some insurance carriers reward homeowners by reducing premiums. Devices that warn of impending danger or destruction often prevent or minimize damage. Therefore, homeowners file fewer claims.

Besides mitigating risks, smart home technology can help insurance carriers seamlessly assess damage and settle claims faster. The result is more comprehensive coverage and greater peace of mind.

Live Smart 

Are you considering adding smart home technology? Do you already have tit? If so, does it qualify for a discount on homeowner's insurance? If you are going from "home sweet home" to "home smart home," contact DRS Insurance Group to learn how to keep your house and wallet in good condition with smart home technology.

Looking for a better homeowner's insurance policy? Get a Quote through DRS Insurance Group.

Alisha Crabtree embraces new challenges and approaches life with a positive, enthusiastic attitude. As the marketing director at DRS Insurance Group, she develops and implements effective content marketing strategies to help inform and educate individuals, families, and businesses about their insurance coverage and unique needs.