Can Home Automation Reduce Your Insurance

 

There are many great reasons to automate your home: it makes your everyday tasks easier, keeps you comfortable, and increases the security of your home. An added benefit that can be overlooked is that home automation will often lower your insurance rate. Let's take a look at how home automation can reduce your insurance.

 

Reducing your insurance premium with home automation

Home (or building) insurance is designed to protect your property from damage caused by theft and other events such as floods, fire, and storm damage.  The amount you pay your insurance company each year for insurance cover is called your premium.  Your premium covers you if your house is broken into or damaged from theft or attempted theft or impacted by flood, fire, storms or other unforeseeable events.  If any of these events occur, your insurer will assist with covering costs (up to a specified amount) to replace or repair the damaged items or your home. 

The way insurance companies make money is that the majority of homes don’t have these events occur and therefore don't require payouts to cover replacing or repairing damaged items. So they will reward those who try to make their home as safe and secure as possible, because they have less risk of a theft occurring, and therefore less likely to make a claim (unless through a natural disaster). 

 

Home automation makes your home safer

By installing a home automation system in your home your insurer may then look upon you more favourably, as they understand that you are taking extra measures to increase the safety of your home.  Automating your home makes it so much safer is that it gives you full access to the entire home remotely. If there are any intruders you will be notified immediately. This works by sensors and cameras monitoring whenever someone enters your home, sending you an email or SMS when unauthorised activity is detected. You can then look at the live footage to confirm whether there are intruders, or you do know the person entering your home, then call the police or security company, preventing any claim from needing to be made to your insurer.

Prevent potential theft or accidents in your home

Another reason home automation makes your home safer is the prevention of crime or accidents in the first place. You can be notified if a door or window is unlocked while nobody is home, making your home safer as a result. Even just setting automatic timers to turn on your lights when you’re away and having security cameras can be a deterrent for any potential intruders. Plus you can keep an eye on potential hazards such as appliances that have been left on and forgotten that are potential fire or flood risks. You can even turn appliances off remotely, lowering your chance of accidental fire from the usual culprits such as hair straighteners, clothes dryers or other appliances that may have accidentally been left on.

Home automation can reduce your insurance premium

How do you actually get your insurer to drop their prices for you? The first step is to call your insurer and ask. Most providers will be happy to see if they can reduce your premium if you mention you are shopping around for the best price, and have the benefits of home automation to increase the security of your home. All efforts to improve the safety and security of your home are considered favourably by your insurer, so automating your home may save some of your hard-earned dollars for other more fun things. 

 

Automating your home has so many benefits, from safety to comfort, security and peace of mind. With the added convenience and security that home automation systems bring you and your family, it is an added perk that you may also save you money on insurance in the long run.

 

If you have any questions about which home automation system is right for you, contact our team and we can assist with tailoring the perfect system for you and your home.

Affordable Home Automation

Can you really afford home automation?

This is a question that we get asked a lot, and we love answering it because yes home automation is now affordable.

Home automation allows you to control all (or some) of the devices within your home from a mobile device.  You could be anywhere in the world and turn off or on lights, appliances, power points, security systems or your air conditioning system. Due to advances in technology, reduction in costs of materials and increased knowledge within the home automation industry, installing a smart home system is now within reach of most home owners. Affordable home automation is no longer a dream that only those with big budgets can afford.  It is an affordable option for home owners who want increased security and peace of mind.

 

Affordable home automation

You could be sipping a cocktail in Fiji, at the office, in the workshop, or anywhere in the world and have instant access to your home.  If you were away on holidays, you could easily turn on the lights at your home, to make it appear that someone is there.  Working back late at work on a cold Winter’s night? Turn on the air conditioning to heat your house so you are warm and toasty when you arrive home.

It wasn’t that long ago that automatic control of lighting, heating, audio and security was only available for large commercial buildings.  Or if you did want to automate your home, the cost would have been astronomical.  Thankfully there have been some great advances in technology that now make home automation affordable.

Benefits of home automation

There are so many benefits to automating your home. If you love technology, then imagine having the power to switch your appliances, lighting and air conditioning, on or off with the press of a button.   The peace of mind from integrating your home security system and being able to access and view the camera when you’re not home is invaluable – particularly if you are away on a holiday.

Aside from the additional safety and security that automating your home provides, one of the best things about home automation is the ability to save energy and money. By using timers and setting appliances and lighting to automatically turn off, you can make a big dint in your electricity bill.  The money you can save from optimising your system can quickly add up and has the ability over time to pay for the home automation system itself.

Who can install my home automation system?

Just like any electrical work completed in your home, you must engage a qualified electrician, with a valid licence, or an accredited home automation installer.   This not only ensures the integrity and safety of the electrical system of your home but ensures that you and your family are safe.

It is however important to note that not all electricians have the skills and expertise in home automation, so it is important to ensure that you are working with a reputable business and installer.

What is the cost of home automation?

To calculate the cost to automate your home there are a number of things you need to consider:

  • How many rooms in your home you’d like connected
  • The size of your home (how many m2 it is)
  • Which items in your home you would like to automate – eg. Lighting, home audio, appliances, security system, garage doors etc.
  • The level of sophistication for each of these items

To automate the basic elements in an average sized home starts from only $3500. 

If you’d like to find out more about how you can get affordable home automation for your existing property, or a new home you’re building, then get in touch with the Enlite Home Automation team for a quote.  You can call Andrew and the team on 0488 333 674 or email This email address is being protected from spambots. You need JavaScript enabled to view it..

We can help you tailor a package that is built just for you and your home.