Homeowners today have more tools than ever to keep their properties safe, and some of those tools can even help you save money on insurance. With smart technology becoming more affordable and accessible, many insurance companies now offer discounts for homes equipped with certain smart home devices that reduce risk.

At McCann Insurance in Durant, Oklahoma, we love helping homeowners find practical ways to lower costs without sacrificing protection. Here’s a look at the smart devices that can help you protect your home, prevent damage, and potentially reduce your homeowners’ insurance premiums.

1. Smart Security Systems

A professionally monitored smart security system is one of the best ways to qualify for a homeowner’s insurance discount. These systems can detect intrusions, send real-time alerts to your phone, and notify authorities immediately if there’s a break-in.

From smart door sensors to motion detectors and video doorbells, these tools not only deter burglars but also provide valuable peace of mind. Many insurance companies reward homeowners who invest in security because it significantly reduces the risk of theft or vandalism.

2. Smart Smoke and Carbon Monoxide Detectors

Traditional smoke detectors save lives, but smart smoke and CO detectors take safety a step further. They send instant alerts to your smartphone, even when you’re not home, so you can act fast if there’s smoke or a carbon monoxide leak.

Because these devices help prevent major fire damage, insurance providers often offer discounts for installing them. Some even provide larger savings for monitored systems that automatically alert the fire department.

3. Smart Water Leak Sensors

Water damage is one of the most common (and expensive) home insurance claims. A small leak can cause thousands of dollars in repairs if left undetected. Smart water leak sensors can prevent that by detecting moisture early and sending alerts before a small drip becomes a major disaster.

Some models can even shut off your home’s water supply automatically if a leak is detected. Adding these devices can not only save you from costly damage but may also earn you a discount on your homeowners’ insurance premium.

4. Smart Thermostats and Fire Prevention Systems

While not every smart thermostat will lower your insurance rate, some insurers recognize their value in preventing fire and freezing damage. For instance, these devices can automatically adjust the temperature to prevent pipes from freezing or overheating, reducing the chance of an insurance claim.

Combined with fire prevention systems or connected HVAC monitoring, smart thermostats can help your home run efficiently and safely.

5. Smart Locks and Doorbell Cameras

Smart locks and video doorbells provide additional security by letting you monitor and control access to your home from anywhere. You can unlock the door for a delivery, check who’s at the door, or receive alerts if there’s unexpected activity.

Since these devices help prevent theft and unauthorized entry, some insurers offer small discounts for installing them as part of a comprehensive home protection system.

Protect Your Home and Your Wallet

Smart home technology is more than just convenient; it’s a smart investment that can pay off in both safety and savings.

At McCann Insurance in Durant, Oklahoma, we help homeowners find ways to protect their homes and qualify for the best possible insurance rates. If you’re adding new technology to your home, let us know. We’ll review your policy and make sure you’re getting every discount available.

Your home deserves protection as advanced as the technology inside it. Contact McCann Insurance today at 580-916-9808 to learn more about homeowners insurance discounts for smart home devices and how we can help you save while keeping your home safe.