By CEDIA - Fri, Jul 4, 2025 - Blog
Smart home technology does more than enhance convenience. It also protects your property, thanks to smart security and other safety systems. It’s because of those benefits that installing smart home technology can lower your home insurance.
More insurers are now rewarding homeowners who invest in smart tech that monitors risks and prevents incidents. A professionally integrated system can offer you greater peace of mind and lower insurance premiums. It’s a win-win.
Insurance companies insure properties based on risk. Lower risk means lower premiums. So, if smart home technology reduces the risk of damage (i.e. stopping a leak before it spreads) or a security breach (i.e. preventing a break-in), it can also reduce the cost of your insurance policy.
Some integrated smart home systems combine fire detection, security and water leak prevention – lowering several of the major risks insurers consider when pricing premiums. Features like real-time alerts can also minimise costly damage, making homes more appealing to insurers.
When you take out a home insurance policy, tell your insurer about your smart systems. Many insurers will offer discounts for smart monitored properties, so don’t miss out.
Want to know how to lower home insurance? Here are some examples of the smart home tech that can reduce your premiums.
Unlike standalone gadgets, integrated smart systems designed by CEDIA professionals offer comprehensive protection.
Some of the separate devices you can bring together include:
With a networked system, you’re more likely to deter intruders. Risking being seen on a security camera is one thing for a would-be burglar to deal with. Having a system that will automatically lock doors and windows and trigger an alarm if a motion sensor detects an unusual movement is far more difficult for criminals to get past.
Being able to remotely monitor your home via secure apps (i.e. video doorbells) also reassures both homeowners and insurers. You don’t need to be indoors to see that your home is safe. Plus, as alerts for suspicious behaviour can be sent straight to your phone, you can act quickly if anything doesn’t seem right – wherever you are.
Smoke, fire and carbon monoxide detectors can save lives. Choosing smart versions adds an extra layer of protection, reducing the risk to your property and belongings – even if your home is empty.
Proper integration ensures automated alerts are sent when nobody can call for help. For example, you can set up a smart fire alarm to call the fire brigade.
Water damage is one of the main causes of insurance claims. Did you know that smart water flow detectors can help you prevent it?
Water flow detectors can immediately identify leaks or burst pipes. If they spot a problem, they can shut off the water supply, significantly reducing damage. You can also receive alerts remotely so you’ll know of any issues that occur while you're not at home.
Various smart home devices detect humidity, temperature fluctuations and air quality.
Early detection of environmental risks helps prevent mould, structural damage and other costly issues.
For example, a smart dehumidifier will automatically tackle humidity and remove excess moisture from the air. If left unaddressed, an overly humid setting could lead to mould and mildew which could damage your home and cause health problems.
Saving money on your home insurance will help you recoup some of the costs of a smart tech installation.
To get the discounts you’re entitled to, inform your insurer of your set-up and explain how you’ve minimised risks. Always tell them whenever you add new protections so that you maximise your discounts.
Insurers will need to see proof of your smart home set-up, so make sure you have proper documentation of any installation systems (including maintenance logs) – something any credible professional will provide.
Although you want to lower your insurance fees, it’s advisable not to cut costs on installation. For an integrated system, you should always use a professional installer (such as a CEDIA-certified member) to ensure your set-up meets your insurers’ technical standards.
Reducing your insurance premiums is just one of the ways smart home technology offers value for money. Smart tech can also help you reduce your energy use, and therefore your utility bills.
Beyond financial rewards, smart security and home protection systems can also give you peace of mind, seamless control of your home and quicker emergency responses.
Integrated smart technology offers long-term value far beyond insurance. It will improve your lifestyle so think of lowering your home insurance costs as a bonus, not the main aim.
If you’re looking to lower your home insurance with smart technology, a CEDIA-certified integrator will make sure that everything meets the insurers’ standards. Professional integration improves system resilience, cyber security, and device interoperability — essential for securing insurance discounts.
In addition to improving the chances of lowering your insurance costs, a professional installation will also help you get a bespoke system that meets your needs. Plus, it’ll be more secure. DIY installations and off-the-shelf solutions often leave security gaps, giving hackers prime opportunities to access your system.
Ultimately, smart home technology is a powerful tool for protecting your property and lowering insurance costs. Choosing a professional integration ensures your system is optimally designed, future-proofed and recognised by insurance providers.
To start your journey towards making your home safer and smarter, find a CEDIA member near you.