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Insurance Discounts With Smart Home Technology

Smart home security, automation and surveillance systems have been drastically dropping in cost over the past few years. If you own your home, that is great news for you. When you have a smart home security system installed, this helps with deterring break-ins; even just having a security yard sign can drastically decrease the likelihood that your home is broken in to... and insurance companies have taken notice.

WHAT IS A "SMART HOME"?

It's the combination of these three elements:

SECURITY: The security element of a smart home system provides you with peace of mind, knowing your home is being monitored 24/7.

AUTOMATION: Smart home automation devices actually make your home easier to live in. Remote access to unlock your front door from your smartphone, or even adjust the temperature from anywhere.

SURVEILLANCE: Don't forget about the most wanted and loved device to hit the industry in decades, the VIDEO DOORBELL. This handy little device allows you to answer the door from just about anywhere, and with Amazon showing no signs of slowing down, this is a welcome device is helping to keep porch pirates at bay.


THE STATISTICS

Currently, over 35 million homes in the United States are considered “smart homes” in 2020 and this is projected to continue growing. Home insurance agencies and utility companies have recognized the increase of usage when it comes to smart devices. Benefits of using these devices include increased safety and decreased energy usage, so many home insurance companies are beginning to offer special discounts, rebates and deals for homeowners who use smart devices.


DISCOUNTS THROUGH INSURANCE

There are several ways you can save when using smart devices in your home. The type of offer depends on your insurance company, the type of device you own and where you purchase the device. Here are a few types of smart home discounts your insurance or utility company may offer:


DISCOUNTS ON PRODUCTS & FREE INSTALLATION

Some insurance companies offer exclusive deals with certain smart device partners for their customers. In addition to deals on devices, your company may offer free or discounted installation. Our partner company ONIT Smart Home is able to provide free installation, free equipment and discounted rates when you sign up for service. Every system is monitored by Brinks Home Security. Learn more here: www.onitsmarthome.com


DEMAND RESPONSE PROGRAMS

These are voluntary programs that help consumers reduce their energy usage during peak hours. With smart home technology some utility companies have an app that will alert you when peak hours are and allow you to turn off your devices. Other companies let you opt in for them to do this for you. The goal is to reduce overall energy usage when it is in high demand. Participants can expect things like discounts and rebates as rewards. Some companies only offer these discounts if the smart device used is purchased through them, so ask your company how you can qualify.Discounts on insurance premiums: Some companies offer discounts if your home is equipped with smart devices.


To learn more about getting discounts from your insurance agency for making your home smarter,

call ONIT Insurance Group: 469-498-0152


To learn more about smart home automation,

call ONIT Smart Home: 817-674-9999

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