How Technology Can Help Protect Your Home

In today’s world, home protection goes far beyond front-door cameras or motion sensors. While those tools help deter burglars and stop porch pirates in their tracks, the newest generation of smart home technology is designed to protect your home from the risks that cause the most significant insurance claims: fire, water damage, and power failure.

Across Canada, more homeowners are embracing smart devices that help prevent damage before it starts. These tools offer peace of mind, early warnings, and in some cases, the potential for insurance discounts. Here’s a look at how smart technology can play a powerful role in protecting your family and your biggest investment.

Smart Water Shut-Off Valves: A Small Device That Prevents Big Losses

Water damage remains one of the leading home insurance claims in Ontario. A burst pipe, failed washing machine hose, or leaking appliance can lead to thousands of dollars in repairs within minutes. Smart water shut-off devices monitor water flow in real time and automatically close the main water valve if they detect unusual activity.

Some models even pair with your smartphone so you can review alerts or shut off the water remotely.

For cottage owners, snowbirds, and anyone who travels frequently, this single device can help prevent catastrophic losses.

Backup, Battery-Operated Sump Pumps: Not “Smart” But Essential

While not considered smart technology, a battery-powered backup sump pump is still one of the most important home-protection tools you can install.

When a major storm hits, and the power goes out, your primary sump pump won’t work unless it’s connected to a generator. A battery backup activates automatically, keeping water flowing away from your foundation and helping prevent basement flooding during outages.

A battery backup sump pump isn’t a luxury; it’s a safeguard every Ontario homeowner with a sump pit should consider.

Smart Smoke and Carbon Monoxide Detectors

Traditional alarms make noise. Smart alarms send alerts and can help save time in the event of an emergency. These devices can:

• Alert your smartphone if smoke or CO is detected
• Notify you when batteries run low
• Offer real-time updates if you’re away from home
• Integrate with monitored alarm systems for faster emergency response

This early warning is especially valuable if you travel often, have pets at home, or own a rental or cottage property.

Monitored Alarm Systems: Extra Protection and Possible Savings

In Ontario, some insurers offer a discount for homes equipped with a monitored alarm system. These systems notify a professional monitoring centre if there’s a break-in, fire, or CO event, speeding up emergency response and often reducing losses.

Connected smart devices (smoke detectors, water sensors, and door/window sensors) may be integrated into these systems for a more complete protection package.

More Smart Tech That Can Protect Your Home

• Smart Leak Sensors: When placed near dishwashers, toilets, washing machines, or water heaters, they alert you the moment moisture appears.
• Smart Thermostats: These can protect pipes by monitoring indoor temperatures, sending alerts if your home drops to dangerously low levels.
• Smart Outlets & Plugs: Help to prevent electrical fires by shutting off power to overheating devices or appliances accidentally left on.
• Power Monitoring Systems: Some systems alert you to power outages, surges, or unusual energy usage, giving you a heads-up when something isn’t right.
• Smart Garage Door Controllers: They let you know if the door is left open and allow you to close it remotely, reducing the risk of theft.

Protecting What Matters Most

Smart home technology offers more than convenience; it adds layers of prevention that help safeguard your home, reduce unexpected costs, and provide peace of mind. Consider investing in these smart tech devices to help protect what matters most.