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Home Insurance and Smart Home Technology: How does It Affect Your Coverage

Writer's picture: Charlotte BurrCharlotte Burr

Technology has integrated itself into every aspect of our lives, from the conversations we have over the phone, to the cars we drive, and even the comforts of our homes. Smart home technology is quickly becoming a standard feature in modern homes. Gone are the days of flipping switches to turn off the lights or guessing who's at the door. With smart bulbs and switches, homeowners can control their lighting with a simple tap on their phones. Meanwhile, smart doorbells, equipped with cameras, speakers, and microphones, let you see and communicate with visitors without ever needing to open the door. These two products and many others are working alongside technology to ensure your home is secure and efficient.


Insurance providers pay attention to these upgrades because they help mitigate risks. Installing devices like home alarms and security cameras can reduce the likelihood of break-ins. These tech upgrades not only enhance the safety and comfort of your home, but they can also lead to discounts on your home insurance premiums. Home insurance premiums and discounts will vary depending on insurer and policy.


What Smart Devices Can Help Lower Your Insurance Rates:


  • Security Systems (Alarms, Doorbell Cameras, House Cameras)

  • Smoke and Air Quality Sensors

  • Smart Thermostats


We at AZ Insurance Team are here to help and answer all your home coverage questions.


Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance…

Disclaimer: Coverage will vary on state, insurance company, and type of policy


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Tempe, AZ 85282

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