So, can smart device installation really decrease your insurance cost? The answer is: yes, but with conditions. So, let's examine how and under what conditions smart technology can really translate into lowering one's home insurance policy cost and what UAE house owners should be wary of .

What Is a Smart Home?

A smart home applies internet-connected devices to automate and control remotely home systems, such as:
Security cameras and smart doorbells like Ring or Arlo

Smoke, fire, and gas leak detectors

Water leak sensors and shut-off systems

Smart locks and access control

Motion detectors and alarm systems

Thermostats and energy-conserving devices

Not only do these technologies bring convenience, but they also provide real-time notification, improve safety, and stop property damage in its tracks before it spirals out of control.

How Smart Devices Can Lower Your Insurance Risk
To an insurer, smart devices represent preventative measures. They reduce the likelihood of costly claims, such as:

Burglary or forced break-in (smart locks, cameras)

Fire damage (smart smoke detectors)

Water damage (leak sensors or shut-off valves)

Liability claims (security footage for evidence)

By reducing these risks, you are a more "low-risk" client. Some UAE insurers are beginning to reward this with lower premiums or lower deductibles.

Are UAE Insurers Providing Discounts for Smart Homes?

Although the UAE home insurance market is still evolving in this regard, several insurers now recognize smart devices as a component of their risk assessment. This is how it operates in practice:

Security-related devices like CCTV, motion sensors, and smart locks can lead to premium reductions of 5–15%.

Fire and water sensors are especially valued in villa communities, where fire or burst pipe claims can be costly.

Insurance comparison websites such as Shory.ae enable you to declare smart features when you request a quote—so you can more easily discover providers that consider this technology when they price your policy.

Remember: not all insurers promote these discounts explicitly. Discussing with a representative or utilizing a comparison tool that accepts in-depth input can unlock possible savings.

Major Devices That Might Make You Eligible for Discounts
If you are retrofitting your home with smart devices and expecting insurance discounts, consider the following:

Smart Security Systems

Door/window sensors

Motion detectors

Alarm monitoring (24/7)

CCTV and Video Doorbells

Ideal for recording claims and theft deterrence

Smart Smoke & Fire Detectors

Devices that alert your phone or emergency contacts

Water Leak Detection Systems

Leak sensors with auto shut-off prevent major flooding events

Smart Locks

Monitor access, reduce forced entry, and improve tenant control in rentals

These updates enhance not only your discount prospects but also your cover, whether you live in a villa in Dubai Hills or an apartment in a high-rise.

What Insurers Want to See

If you expect your smart home technology to have financial paybacks, insurers probably want to know if the devices are installed professionally, if the system is monitored-for instance, by a security service-and if there's proof of functionality that is, for instance, app screenshots or receipts.

Are devices integrated (smart ecosystem) or standalone?

Pro Tip: Keep receipts, photos, and app screenshots. These will come in handy during both quote applications as well as future claims.

The Bottom Line: Cost vs. Benefit
An investment in smart home devices in the UAE is a long-term one. Even if insurance savings are minimal today, you're gaining from:

Improved peace of mind due to real-time alerts

Faster emergency response

Avoidance of significant losses that could affect future insurability

Increased resale value for your property

In the future, with more UAE insurers embracing smart tech integration, the discounts will be more pronounced and standardized.

What to Do Next

If you're shopping for home insurance in the UAE, here's your smart action plan:

Inventory your smart devices – Make a list of what's installed or in the pipeline.

Compare policies that support smart home features – Use platforms like Shory to get multiple quotes.

Ask about smart home discounts – It's not assumed. Bring it up when applying.

Documentation ready – Bring receipts and proof of installation.

Final Thoughts

Smart homes offer you more than convenience—you can even save on UAE home insurance. While not all insurers offer a discount yet, those that do value the risk-reducing potential of technology. By staying vigilant, using reputable platforms, and having the right devices installed, you can better protect your home and potentially reduce your premium.

Want to insure your smart home? Go to Shory Pet & Home Insurance or call 800 SHORY (800 74679) to discuss your options today.