10 Smart Home Upgrades That Can Lower Your Insurance Rates and Boost Safety
Home upgrades save you money on insurance if you know the right upgrades to make. Home insurance premiums continue to rise, and homeowners are feeling the impact. That’s bad news. What is the good news? Smart home technology is now affordable, easy to install, and accessible. When you upgrade your home with the right home improvements, it can enhance your safety and potentially lower your insurance premiums.
Why do Insurance Companies reward home upgrades?
Insurance companies love low risk. They offer discounts to clients when you install smart devices. Some of these devices serve the purpose of preventing accidents and thefts, and they reward your proactiveness to protect your house or smart home with lower premiums. This post will show how smart upgrades save money and protect your home.
1. Smart Security Systems
Home upgrades that involve smart security systems can help reduce insurance premiums. Smart security systems such as alarms, motion sensors, and detectors on your doors and windows help reduce the risk of robberies.
2. Smart Upgrades for Everyday Access: Locks That Think for You
You can ditch your spare keys and use keyless entry, unique access codes, and remote locking. This kind of home upgrade, where you use a smart lock, enhances security, prevents unauthorized access, and helps you qualify for insurance discounts.
3. Smart Upgrades for Watchful Eyes: Doorbells & Cameras That Never Blink
A smart home will allow you to see your visitor using a video doorbell and security cameras before they come in. This gives you a feeling of security and is a visible deterrent to burglars while recording valuable evidence. This form of home upgrade improves home safety, supports faster claim processing, and may qualify you for lower insurance premiums.
4. Smart Upgrades for Life-Saving Alerts: Smoke Detectors That Text You Back
Smart smoke detectors instantly alert your phone during emergencies, even if you’re away. Early warnings reduce fire damage, protect lives, and often earn homeowners valuable insurance discounts for proactive safety measures.
5. Smart Carbon Monoxide Detectors
Smart carbon monoxide detectors provide instant alerts about this silent, deadly gas. Early warnings protect families, prevent tragedies, and lower insurance risks—making them a smart investment for both safety and savings.
6. Smart Water Leak Sensors
Smart water leak sensors spot leaks or flooding early, sending alerts before damage spreads. They prevent expensive repairs, protect valuables, and may qualify homeowners for insurance discounts by reducing water-related risks.
7. Smart Thermostats with Fire Safety Features
Smart thermostats with fire safety features monitor heating systems, preventing overheating or HVAC malfunctions. By reducing fire risks, they safeguard your home, increase energy efficiency, and may lower insurance premiums significantly.
8. Smart Lighting Systems
Smart lighting systems use schedules or motion sensors to mimic occupancy and deter intruders. They boost security, reduce break-in risks, and often help homeowners qualify for valuable insurance discounts.
9. Smart Garage Door Openers
Smart garage door openers allow remote monitoring and control, preventing accidental openings and unauthorized access. They enhance security, protect belongings, and may qualify homeowners for insurance discounts by reducing burglary risks.
10. Whole-Home Smart Monitoring Hubs
Whole-home smart monitoring hubs connect and manage all your devices—alarms, cameras, detectors—for seamless safety oversight. They reduce risks, simplify control, and can help lower insurance premiums through proactive protection.
Final Thoughts
Smart home upgrades can save you 5–20% on insurance, though discounts vary by insurer and state.
​Beyond savings, they add peace of mind, convenience, energy efficiency, and even resale value.
Keep receipts, confirm recognized devices, and bundle upgrades for bigger discounts. Start small—safer home, lower bills.
