Homeowners insurance is something you buy while hoping you’ll never need it. With some of the gadgets on the market, preventing a homeowners insurance claim can be easier than ever. Here’s a look at the tech that can help you avoid some of the most common causes of claims.
Avoid Fire Damage and Carbon Monoxide Poisoning
Between 2013 and 2017, there were approximately 354,400 house fires every year in the U.S., according to the National Fire Protection Association. These fires resulted in $6.9 billion in property damage and 2,620 civilian deaths annually.
Carbon monoxide is another serious threat. According to the National Safety Council and the CDC, unintentional carbon monoxide poisoning kills 400 people and sends 20,000 people to the emergency room in the U.S. each year.
Smoke and carbon monoxide detectors are essential, but technology has made these tools even better.
- Smart smoke detectors can send alerts to your smartphone, so you’ll know if there’s a problem no matter where you are at the time.
- Smart carbon monoxide detectors can also send alerts to your phone. Some smart alarms function as both smoke and carbon monoxide detectors.
Avoid Water Damage
An undetected leak can cause rot, mold and other problems before it’s discovered. Although you may be able to identify a leak based on an increase in your water usage or visible signs of water damage, modern devices make the process easier and faster.
- Smart leak detectors can alert you to any problems as soon as they start.
- Smart humidity monitors can also alert you to changes in humidity levels.
There were approximately 1,401,840 burglaries in 2017, according to the FBI, and the victims suffered approximately $3.4 billion in property losses.
The right tech can help you keep your home safe from crime.
- Smart security cameras can record anyone who comes to your house. When combined with two-way audio, these systems let you talk to anyone in or around your home – no matter where you are.
- Smart locks let you lock or unlock your door without a key. You can control the lock remotely using your phone or provide a temporary code to people who need to enter while you’re away. This may be safer than the old-fashioned method of hiding a key nearby, where the wrong person might find it.
- Smart lights and blinds make it possible to control the lights and blinds when you’re away. This can make it look like you’re home even when you’re not – so burglars will stay away.
There’s just one caveat with smart security devices. They have to be secure themselves—otherwise, hackers can use them to gain access to your home. Install updates as soon as they’re available. Also use strong passwords and encryption to keep your network and devices safe and private.
Have you had your annual homeowners insurance policy review? Contact your BNC Insurance advisor to ensure your coverage keeps pace with your life!