INSURING YOUR HOME

How to set up a smart home security system


When it comes to securing your home, the world is your oyster. The Internet of Things (IoT) is a phrase describing the increasing digital connectivity of everyday items in our homes. This increasing connectivity now gives homeowners new opportunities to set up and manage their own smart home security systems with little effort.

A major benefit of these increasingly sophisticated security systems is that you now have information at your fingertips. Better accessibility helps keep your home safe from damage, caused by things like fire, theft and weather events.

You can choose a DIY smart home security system or have one professionally installed and monitored by an external security team, depending on your budget. 

Choosing between smart home security options

You might choose a simple installation of a single camera or a few cameras into an integrated system. Alternatively, you might prefer to link up a more complex but thorough security system. It depends on price and the nature of your property and contents. 

A DIY home security system allows you to manually store your own data and video recordings on storage devices like SD cards or virtually (in the cloud) for a higher subscription price with various providers. 

Below are some of the most common types of smart security tools people choose for their homes.

Smart cameras

The most obvious choice for anyone wanting a simple and smart security system in their home, cameras can be used to remotely monitor your home using your phone or with a third-party security team.

If you’re looking for a basic system — perhaps if you live in an apartment with one entrypoint — a standalone camera with a motion sensor can work as a wireless security system. They can link to an app on your phone and alert you to any disturbances. If you have pets or live near a main road, make sure you choose a camera system that allows you to adjust for changes in light patterns. Shifts in light, made by shadows, can set off alarms if not calibrated for this.

External cameras can often include a lighting system that turns on when they sense movement, adding an extra level of security. Some cameras even come with two-way audio systems, allowing you to communicate via your phone to someone approaching your home. 

Video doorbells

Video doorbells are a great way to interact with visitors to your home from wherever you are. They link up with apps on your phone to notify you whenever a motion sensor goes off, or to allow you to communicate with a visitor when they ring the bell. 

Smart locks

Smart locks can be standalone smart security options or form part of a larger integrated security system. There are several benefits to a smart lock:

  • no need to worry about losing your keys
  • remote access allows you to give friends/family access when you’re not home
  • smart locks can integrate with a traditional lock so you have both an analogue and digital locking system for your home
  • customisable options allow for automatic locking after certain time periods or when you're a certain distance from home – removing the possibility of you forgetting to lock your home.

Remember, when considering a smart lock, check whether it can integrate with your existing home structure or whether you’ll need a builder. 

Temperature/humidity alarms

Smart smoke alarms and temperature/humidity alarms offer information about the safety of your home. When away, you can be alerted to emergencies like fires almost instantly, saving your home from a disaster.

Smart temperature systems are often wireless, battery operated systems, allowing for easy DIY installation. They go beyond forming part of a smart security system, helping you create a smarter home. They can integrate with other automated systems, like windows and climate systems, to manage your energy output. This often requires professional support, however, to maximise its use. 

Consider home insurance regardless of your security

The extent and sophistication of your home security system will certainly improve your peace of mind. A single and manually operated external camera offers different protection for your home than an integrated system that connects with a third-party security provider. However, it’s a good idea to consider home insurance, including contents coverage, in the case of weather events, theft or fire.  

 

 Explore GIO Home & Contents Insurance  

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Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO. Consider the Product Disclosure Statement before buying this insurance. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.