Smart security is no longer a luxury—it’s quickly becoming a practical investment for every modern homeowner. From deterring intruders to catching water leaks early, smart devices protect more than just your physical space. They also offer an often-overlooked bonus: insurance savings.
If you’re upgrading your home for comfort or safety, it’s worth knowing that insurers are starting to reward these efforts. A properly installed smart system could help reduce your premium by up to 10–15%, depending on your provider and setup.
Why Insurance Companies Offer Discounts for Smart Security
Insurance is based on one thing: risk assessment. The more risks you reduce, the less likely you are to file a claim—and that lowers the cost for your insurer. When you install smart devices that alert you to fire, burglary, or water leaks in real time, you’re actively minimizing potential damage.
Unlike traditional systems that rely on manual activation or outdated tech, smart systems are designed to respond immediately and automatically. They integrate with your phone or home hub, allowing you to take action from anywhere—even while traveling.
This real-time responsiveness significantly reduces the scale of damage and claim size, which is why insurers are taking notice.
Key Devices That Can Lower Your Premium
Here are the smart upgrades most insurance providers consider when evaluating discounts:
1. Smoke and Carbon Monoxide Detectors
Smart smoke detectors are one of the most impactful upgrades. They not only sound alarms but also send push notifications to your phone or smart hub—so even if you’re away, you can act.
For multifunctional safety, consider a device like the Owl Wired, which includes:
- Smoke detection
- Carbon monoxide monitoring
- Motion sensors
- Climate monitoring
This all-in-one approach means fewer blind spots, faster responses, and lower risk of fire-related damage—something insurers highly value.
Note: External product links are for informational purposes only. Homformation is not affiliated with the brand mentioned.
2. Leak and Moisture Sensors
Water damage is one of the most common (and expensive) home insurance claims in the UK. Smart leak detectors placed near washing machines, water heaters, or under sinks can catch leaks early—before they soak floors, walls, or ceilings.
Some sensors even shut off water valves automatically when a leak is detected, making them a preferred solution for high-risk homes.
3. Intruder Alarm Systems and Motion Detectors
Modern intruder alarms go beyond noise. They include motion detection, glass break sensors, and real-time video feeds that are accessible through mobile apps. If suspicious activity is detected, you’re notified instantly.
In many cases, even self-monitored systems (without a central monitoring station) can qualify for a small discount, provided they’re active and well-placed.
Real-Life Savings: How Much Can You Expect?
Premium reductions vary by insurer, but here’s a general idea of what you could save annually:
- Smart Smoke Detectors: £25–£60/year
- Leak Sensors: £20–£50/year
- Full Smart Security System: £80–£150/year
To claim these discounts, most insurers require proof of installation. Some may also ask for photos or documentation showing the devices are actively monitored or regularly tested.
Customising Your Setup for Maximum Benefit
Every home is different. Here’s how to prioritise smart security based on your home’s specific needs:
- For families with children or elderly residents: Carbon monoxide monitoring and automated smoke alarms are essential.
- For frequent travellers: Motion sensors, window contact sensors, and camera systems with cloud backups add extra peace of mind.
- For older homes: Combine smart leak sensors with thermal or humidity monitoring to detect risks related to outdated plumbing or insulation.
This kind of personalised setup shows insurers you’re actively managing risks—and often results in more favourable premiums.
How to Qualify for Discounts (The Right Way)
To ensure your smart setup earns you an insurance discount, follow these steps:
- Contact your insurer before installing devices
Some companies only recognise specific brands or require certain certifications. - Keep receipts and product information
These act as proof of purchase and functionality if requested. - Regularly test and update your devices
Just like boiler checks, smart security systems should be maintained for maximum performance. - Don’t oversell in applications
Only report devices that are installed and working properly. Misrepresentation could void your policy.
Final Thoughts
Smart security systems are a win-win. They provide peace of mind, protect your home from common risks, and can significantly lower your insurance bills.
As smart home technology continues to evolve, more insurance companies are recognising the value of proactive prevention. Whether you start with a single leak sensor or opt for a full security suite, you’re not just upgrading your home—you’re building a safer, more cost-efficient future.
Disclaimer: This article is for informational purposes only and does not constitute financial or insurance advice. Please consult your insurance provider for specific discount eligibility and terms.
