How smart home devices can affect your insurance premiums

In the digital era, smart technology can create many conveniences and efficiencies in your home. Furthermore, implementing these devices and systems can also have financial benefits, as insurers may consider their presence when quoting home insurance rates.

Consider how smart home devices might help reduce your risk profile and potentially lead to lower rates:

• Security systems—These are often equipped with surveillance cameras, motion detectors, and alarms, and can automatically contact law enforcement. This can limit the consequences of burglaries and vandalism or deter criminals in the first place.
• Smoke detectors—You’re likely aware of the importance of smoke detectors, but smart versions can be particularly valuable. They may automatically contact emergency services and limit damage.
• Water leak sensors—These devices can detect leaks and plumbing issues before you might otherwise discover them, potentially saving you and your insurance company on costly repairs and remediation costs.

Contact us today for more information on optimizing your home insurance rates and ensuring you have suitable coverage.

{{cta-life-insurance="/components/rich-text-cta"}}

Summer maintenance tips

Consider the following home maintenance steps this summer:

• Seal gaps and cracks. Caulk around your windows and doors and repair any cracks or holes in the walls to help regulate temperatures.
• Landscape. Trim trees and clear brush away from your home, especially if you’re in an area at risk of wildfires or severe storms.
• Check your air conditioner. Clean its coils, change its filters, and check for faulty wiring.
• Secure entry points. Ensure doors and windows have strong locks, as burglaries are most common during summer.
• Check for pests. Inspect your home for possible infestations, including signs of termites and rodents.

Contact us for further guidance.

This newsletter is intended for informational use only. © 2025 Zywave, Inc. All rights reserved.