Smart homes are no longer futuristic concepts—they’re reality for thousands of Atlanta families living in places like Alpharetta, Brookhaven, and Sandy Springs. From app-controlled lighting and thermostats to whole-home security, audio, and water detection systems, technology is transforming the way we live.

But here’s the question most homeowners never ask: Are those systems covered by your insurance?

Let’s break it down.

What Counts as Smart Home Technology?

If your home includes any of the following, you’ve entered the world of smart home risk:

- Smart thermostats (Nest, Ecobee)

- Smart locks and video doorbells

- App-connected home security or camera systems

- Whole-house audio and lighting control]

- Water shutoff sensors or leak detectors

- Smart refrigerators, appliances, or garage systems

These systems are typically hardwired or integrated into your home’s infrastructure—and replacing them can cost thousands.

The Insurance Gap Most Homeowners Overlook

Standard home insurance policies may:

- Cover these systems under personal property—but with limits

- Require a specific endorsement or rider for electronics

- Use actual cash value instead of replacement cost

- Exclude damage from electrical surges or manufacturer defects

Why it matters: If lightning fries your AV rack or a power surge damages your $15,000 smart home hub, you could be left with a fraction of the replacement cost—or no coverage at all.

What Atlanta Homeowners Need to Know

Custom homes across metro Atlanta are being built with integrated smart systems. In high-end neighborhoods like West Midtown, Milton, and East Cobb, it’s common for clients to install smart lighting, leak detection, and automation as standard.

But most policies don’t ask about those features.

At Concierge Insurance Group, we help homeowners:

- Document and schedule high-end electronics as part of their policy

- Determine whether items fall under dwelling or personal property coverage

- Add protection for surge damage, breakdowns, and replacement cost

- Work with carriers like PURE, Chubb, and Cincinnati who understand smart home risk

How to Make Sure You’re Covered

1. Take inventory of your smart systems

2. Review your current policy to understand limits and exclusion

3. Consider a personal articles endorsement or blanket electronics rider

4. Bundle with home, valuables, and umbrella coverage for peace of mind

 Let’s Protect the Technology That Powers Your Lifestyle

Your smart home adds comfort, security, and efficiency. Let’s make sure your insurance keeps up.