There home automation has experienced real growth in recent years, allowing individuals to improve their comfort, make energy savings and increase the security of their habitat. These technological advances also have a direct effect on the world of home insurance. In this article, we will explore the different impacts of home automation on your home insurance.
Better risk prevention thanks to home automation
Home automation systems allow better prevention of risks linked to your home, offering you real-time monitoring of your home. This increased prevention can result in a reduction in the number of claims, which is beneficial for insurance companies and policyholders.
Smart detectors
Smart detectors, such as smoke or carbon monoxide detectors, are able to alert you immediately if there is a problem. In addition to protecting you, they help reduce damage caused by fire or gas poisoning.
Security against burglaries
Thanks to the home automation, it is possible to strengthen the security of your home against attempts to burglary. Video surveillance devices, connected alarms and even electronic locks help deter intruders and react quickly in the event of a break-in attempt.
Remote control of electrical equipment and heating
Connected homes also offer the ability to remotely control lighting, electrical appliances and heating. This functionality makes it possible in particular to prevent the risks of domestic accidents (fire, water damage) linked to forgetting or incorrect handling.
Home insurance adapted to connected homes
To respond to this technological development, certain insurance companies have developed specific offers for connected homes. These offers take into account the advantages of home automation in terms of security and risk prevention, and offer guarantees adapted to the needs of owners of connected homes.
Specific guarantees for home automation equipment
Insurers now offer specific guarantees to cover home automation equipment present in your home. These include guarantees against theft, water damage or electrical damage which could affect your installations.
Reduction in the amount of the insurance premium
Due to the better risk prevention offered by home automation, some insurers are willing to reduce the amount of the home insurance premium for owners of connected homes. This reduction can go up to 25% depending on the companies and the home automation devices installed.
Dedicated support for connected homes
Some insurance companies also offer specific assistance for owners of connected homes. This includes a remote monitoring or troubleshooting service in the event of a problem with your home automation equipment. Do not hesitate to request more information from your insurer regarding the guarantees included in your home insurance contract.
The limits of the impact of home automation on home insurance
While home automation undeniably offers many advantages in terms of risk prevention and security, it is important to qualify its impact on home insurance.
The cost of home automation installations
Equipping your home with home automation devices represents a significant investment, which can reach several thousand euros depending on the size of the home and the equipment chosen. It is therefore important to carefully evaluate the cost of these installations in relation to the savings made on your home insurance premium.
Protection of personal data
There home automation and the connected homes also raise questions regarding the protection of personal data. Indeed, the information collected by the various home automation devices can be stored and used by third parties, which represents a risk for the privacy of owners. It is therefore essential to choose your equipment carefully and ensure that it complies with current data protection standards.
Technology addiction
Finally, it is important to take into account the risk of dependence on these technologies and their vulnerability to cyberattacks or power outages. A power outage or a computer attack could render your home automation devices inoperable and compromise the security of your home.
In conclusion, if the home automation has a definite impact on home insurance in terms of risk prevention and security, it is important to carefully weigh the advantages and disadvantages linked to this technology before fully equipping your home.
