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Smart home technology is no longer an idea of the future. For many Canadian homeowners, it's a way to live in a more intuitive home environment. In 2024, 42% of Canadian households reported owning at least one smart home device. This number is expected to skyrocket as homeowners seek comfort, safety, and energy savings. If you've invested in smart technology for your home, you need a home insurance plan that reflects these upgrades. Get a free smart technology home insurance quote with BrokerLink today.
BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.
Insurance for smart homes in Canada is a special type of coverage that accounts for the smart home systems and devices you've implemented to protect your home. You can think of it as an extension of your standard home insurance, which features the following:
Dwelling coverage protects the physical structure of your home from damage.
Contents coverage to safeguard the personal belongings you've worked hard for.
Liability insurance protects your interests and finances against expensive lawsuits related to claims of third-party injuries or property damage.
Additional living expenses, which ensure you're not paying out-of-pocket, should you need to vacate your home for an undetermined amount of time following a covered loss.
As a homeowner in Canada, you're exposed to numerous risks that could put your investment at risk:
Break and enters: Statistics Canada reports 121,033 incidents of breaking and entering in 2024 across the country.
Severe weather damage: The Insurance Bureau of Canada reported $8billion in insured losses as a result of severe weather conditions in 2024, the highest in Canadian history to date.
Home repair and replacement costs: According to Statistics Canada's Building Construction Price Indexes report, plumbing and HVAC materials increased by 3.7% and 3% in Q2 2025, respectively.
Without insurance in place, you could be left paying for any damages or losses out of pocket, severely impacting your finances.
Smart devices can detect hazards early on, therefore reducing the likelihood or severity of insurance claims, which insurance providers appreciate, as it saves them from frequent and expensive payouts at the end of the day.
Standard smart home coverage in Canada contains the following policies:
Dwelling insurance
Contents coverage
Third-party liability insurance
Additional living expenses
Sewer backup coverage
Overland flood insurance
Identity theft coverage
Dwelling insurance protects the physical structure of your home and other structures on your property, like a detached garage, from perils, including theft, vandalism, fire, water damage, and severe storm damage.
Contents coverage safeguards the personal belongings in your home, including furniture, clothing, electronics, and appliances, from damage and losses, resulting from the perils listed in your dwelling portion of your plan.
Third-party liability insurance protects you from third-party lawsuits claiming bodily injury or accidental property damage. Should a lawsuit be filed against you, this policy will cover medical expenses, repairs, replacements, legal fees, and other settlement costs.
Should your home be damaged by a covered event and it is not safe to live in, additional living expenses will cover temporary accommodations, transportation, and meals until you're able to safely move back home.
Sewer backup coverage protects you from sewer-related damages that may occur in your home. For example, if heavy rainfall causes sewage to back up into your basement, this policy will cover any repairs or replacements your home or items require.
Overland flood insurance covers repair and replacement costs related to water damage that originates from outside of your home. This is especially handy if you live near a body of water or a flood plain.
If your home is broken into and your personal information is stolen, identity theft coverage will cover costs associated with the recovery and replacement of these items.
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Home insurance costs in Canada grew by 5.28% in 2025, above the normal inflation rate. If you're interested in upgrading your property with smart home technology to secure a lower premium, here are some ways you can reduce costs, without compromising your coverage:
Bundle your smart home coverage, auto insurance, and other policies with the same insurance provider to save up to 15% on your premiums.
The Canadian smart home market was assessed at USD 10.18 billion in 2023, and it is expected to be worth USD 30.66 billion by 2030. If you're thinking about updating your home with smart home tech, a little planning can go a long way and lower your premiums by reducing your overall risk profile. Most smart technology discounts range from 5% to 10%.
A deductible is the amount you pay to your insurance company when filing a claim before any remaining costs are covered. By increasing your deductible from $500 to $1000, your insurer will lower your premiums slightly.
Keeping your home in good condition year-round is one of the best ways to reduce your risk profile. Clear your gutters, have a technician look at your HVAC system, maintain your plumbing, and update outdated appliances to protect your home and lower your premiums.
Not all providers will quote you the same. Therefore, you can benefit from shopping around and comparing rates ahead of time. That way, you can choose a rate that fits your needs and budget.
Those who remain claim-free are often quoted lower rates, given their lower risk profile. The longer you go without a claim, the more you'll save.
Insurance brokers like BrokerLink work independently from providers. This allows them to shop around, compare rates, and customize their coverage based on their unique needs. The best part of all? You can work with BrokerLink for free!
Most insurance companies add a fee to your premium if you pay monthly, as it costs them money to process each of your monthly payments. To avoid these charges, consider paying for your coverage up front.
Your insurance costs are a direct result of your risk profile, which is calculated using the following factors:
Homes located in areas with higher crime rates and severe weather conditions will be charged more for coverage compared to properties located in low-risk areas.
Due to the capabilities of smart home devices and other security measures, insurance companies across Canada are factoring these protections into how they're pricing home insurance policies.
Older homes that are poorly maintained will see increases in their premiums, given that their outdated infrastructure is more likely to result in a claim compared to a newer property that is well-maintained.
The higher the value of your home, the more coverage you'll need to adequately safeguard it, which will cost you more in terms of premiums, compared to insuring a lower-value property.
The more claims you have on your file, the more of a risk you are to insure, which will lead to higher premiums compared to homeowners who have no claims on their file.
Do you have more questions about smart home monitoring systems? Here's some additional information we think you should know:
Top smart home devices include:
A flood sensor, or water leak sensor, is used to monitor your home for any moisture that should not be there, such as from your pipes or appliances that are leaking, or if any water has infiltrated your home from a drain or from outside.
If moisture is detected, the sensor will send you a notification on your phone so you are aware of the issue immediately. Some sensors on the market are even able to turn off your plumbing or appliances if they are the cause of the leak.
These smoke detectors will send you an alert if the presence of smoke or fire is detected in your house. They can also update you on the strength and health of your detector and will notify you when its battery needs to be changed. If the alarm goes off accidentally, for example, due to baking or cooking, you can quickly turn it off right from your phone.
Many of these smoke detectors also include carbon monoxide smart sensors built into them. These will generally include the same features and abilities, but will pertain to CO in addition to smoke.
Smart home monitoring that provides a discount includes various capabilities, including:
A 24/7 video feed of your property straight to your phone
Notifications if any motion is detected on your property through an app.
Allows you to set a timer to arm and disarm it at specific times of the day.
Gives you access to speak directly to whoever is at your door through two-way talk functions
Allows you to give temporary access codes to your friends and family.
A smart lock provides homeowners with way more control of who can and cannot enter their home. These electronic locks attach to your door in the place where your traditional lock would be. They allow you to lock or unlock your door right from your smartphone, whether you are on your property or not. They are also able to send you a notification any time someone opens or tries to open your door.
In 2024, access and security controls were the most profitable portion of the smart home market in Canada. These doorbells have a very small camera attached to them that is able to stream video feeds of your doorway directly to your phone, whenever someone approaches or if any other movement is detected. This
Smart thermostats connect to your heating and cooling systems and water heaters. They allow you to control your indoor comfort levels directly from your phone for optimized energy savings.
Protect your smart home the right way with tailored insurance coverage that considers the upgrades you've made to stay safe with the help of BrokerLink.
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The decision to invest in smart technologies is yours. Some tools, such as smart alarms, can result in a discount. Others have no impact on your premium, but might give you more peace of mind. Some technologies could increase your risk of being hacked and should be used with caution.
Yes, all homes are eligible for discounts. Generally speaking, older homes have higher premiums than newer builds, given that their plumbing, electrical, roofing, and other components of the property are more likely to be outdated, which increases the risk of a claim. Therefore, by investing in smart protection for your home, you can lower some of your costs and save money on your coverage.
No, not all providers will offer discounts for smart home sensors or alarms. However, because home insurance isn't mandatory, you do have the option of shopping around with different providers, which gives you the advantage of working with companies that do offer ways to save.
Some home insurance policies may offer optional endorsements that cover appliances and electronic breakdowns within your home. However, standard policies typically don’t cover mechanical or electrical failure of smart tech unless the damage occurs as a result of a covered peril like fire, theft, or water damage.
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