Lower your home insurance premiums with these 4 technologies

Due to the economy and the way things are these days, the search for cheaper home insurance is among the top queries on Google. Consequently, we will be discussing how you can lower your home insurance premiums with four home smart technologies.


Nowadays, a lot of homeowners use smart home technology to help protect their most prized possessions. As a result, several home insurance providers are giving clients who use this technology discounts on their premiums.

However, not all businesses now provide this benefit because this technology is still relatively new.

In light of this, it’s crucial to compare home insurance providers. Going with a business that provides one of these discounts is probably worthwhile if you’ve made an investment in smart home technologies.


After all, even a modest percentage reduction will result in cash returned to your account each month.

But before you delve too deeply into the details, it’s critical to comprehend how these reductions operate. Four smart home technologies that can help you save money are described below.

Lower your home insurance premiums with these 4 technologies

These smart technologies include

  1. smart smoke detectors
  2. Wireless security system
  3. water and gas shutoff sensors
  4. thermostats

Now, let’s take them one after the other, shall we?

Smart Smoke Detectors

Smart smoke detectors are undoubtedly designed to reduce the risk of fire.

While each smoke detector is unique, the majority of smart versions will remotely shut off in the event of a false alarm, send you automated maintenance notifications, and inform your local fire department if there is a problem.

It’s crucial to remember that there are additional things you may do to reduce your premiums.

Fire extinguishers, for instance, are frequently associated with a discount on many insurance plans because simply having them available reduces the risk of suffering substantial property damage in the event of a fire.

Wireless Security System

Starting with your property insurance or dwelling coverage, wireless security systems, especially those with video doorbells, can assist in lowering the cost.

Simply put, these security systems shield your home from the risk of a break-in by enabling you to remotely lock and unlock your doors, issue immediate safety alerts, and continually monitor any activity inside.

Insurers, in particular, prefer to see these systems coupled with monitoring services that, in the event of a crisis, will contact the police or fire company.

Just be aware that these services frequently come at a price, which may negate whatever premium discount you have earned.

Water and Gas Shutoff Sensors

Sensors that turn off the gas and water help to prevent leaks and flooding. Gas leak detectors, for example, learn your patterns of behavior to better find leaks.

In the event of a leak, they will also turn off your system automatically and give you messages if you aren’t home.

There’s a strong chance that the company that provides your home coverage will give you a discount if you have the appropriate carbon monoxide detectors installed, much like with fire extinguishers.

To better protect you and your family, these detectors can work with water and gas shutoff sensors.

Related: Find out the cost of home insurance now


While it might seem unusual that a thermostat could help you pay less for insurance, in this instance, fire safety comes first.

If it senses that the temperature is becoming too high, the correct thermostat might be able to sound an alert or turn off the fans in your heating system to prevent the temperature from rising higher.

You can obtain an assessment of each homeowner’s insurance policy and coverage from Credible. 

An added benefit of a smart thermostat is that it can lower your energy expenses.

Your ability to remotely turn on and off your heating and cooling systems means that you can lessen the likelihood that it will operate while you are away from home.

Recommended: Insurance Premium – What Happens If I Stop Paying?

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