Does anyone know if insurers even consider older homes for smart home discounts? Mine's historic, and last time I checked, they were picky about upgrades. Maybe it's changed, but I'd double-check before assuming it'll help your rates...
Insurers can be picky, but it really depends on the company. I've had historic properties get discounts after installing smart locks and security systems—just had to provide proof of professional installation. Worth a quick call to your agent to confirm, though.
Definitely agree—insurance companies vary quite a bit on this. I've seen clients get small discounts even for simpler upgrades like reinforced doors or upgraded deadbolts. Usually, documenting the install professionally helps smooth things over...worth checking into for sure.
Interesting point about documenting installs professionally...but does it always have to be professional documentation? I've done a bunch of DIY upgrades myself—reinforced doors, upgraded locks, even window security film—and just took clear before-and-after photos with timestamps. Insurance companies I've dealt with seemed fine with that. Maybe it depends on the insurer or the specific upgrade?
Also, curious if anyone's actually gotten a discount specifically for keyless entry systems? I installed one last year (love the convenience, btw), but when I asked my agent about discounts, they basically shrugged and said it didn't really factor into their calculations. Seems like insurers might still be catching up to newer tech like smart locks and keyless entry...or maybe it's just my luck?
"Seems like insurers might still be catching up to newer tech like smart locks and keyless entry...or maybe it's just my luck?"
You're definitely not alone—insurance companies can be slow to recognize newer tech. I've done similar DIY upgrades (reinforced doors, security film, etc.) and had the same experience with documentation. Clear photos and timestamps usually do the trick. As for discounts on keyless entry, haven't seen that either...but hey, at least you're enjoying the convenience factor. Sometimes that's worth more than a small discount anyway.
