Monthly Archives: December 2015

Homeowners Insurance Texas

Home insurance companies base their premiums in large part on the safety of the house. Making your Texas home safer is a great way to save on your homeowner’s insurance. There are standard ways to make a home safer, like making repairs and removing dangerous appliances, but one of the newest and most interesting sources of savings is smart home technology. The smart home is a concept that is just starting to reach mainstream use. It is fairly simple: the various appliances, controls, and security devices in your home all get networked together to a central control system. That system can organize all of your home’s functions according to your preferences. So, for example, you can set up a range of temperatures based on the time of day and how many people are awake in the house. The technology is exciting enough on its own, but insurance companies like are also taking note of it as a potential way to make houses safer.
The reason for this is that smart home tech can act as a central monitor and alarm system for just about anything that can go wrong in the home. For example, the same tools that let the smart home hub hook into the temperature controls also allow for temperature monitoring. In addition, the smart home hub can connect to the fire alarm. The two sets of temperature sensing tools mean that smart home hubs can detect fire rapidly and automatically notify the fire department, and the technology can get the word out faster than old-style smoke detectors or human senses. This extends to other environmental dangers too, such as carbon monoxide.
Home security is a significant source of property loss and damage, not to mention potential injury, so anything that can cut down on break-ins or reduce the fallout from break-ins that do occur will get insurance companies interested. Smart home tech can do just that by acting as the central brain for a house’s security system. It is becoming easier and easier to obtain cheap security measures like motion detectors and cameras without needing to pay a monthly subscription fee. The hub of a smart home can connect to these tools and manage them automatically. You need to look at the brands to make sure they are compatible with the smart home hub you have chosen, but the benefits of integration are just as good as in the high-end subscription services at a fraction of the price. Your homeowner’s insurance Houston company will also provide a discount in many cases.
There are plenty of fringe benefits, too. For example, there are sensors that can detect pipe temperature to prevent them from freezing and ones that can sense moisture and shut off the water in case there is a leak. The temperature controls have much more efficient use of energy, saving on heating and electricity bills. All of these can add up to major savings because they head off the possibility of damage. Insurance companies appreciate that, because they want to avoid any home owners filing claims with them.
The bottom line is that smart home tech can provide a double savings, because insurance companies frequently award incentives for smart homes.