Rates in the Walls: How Your Smart Home Is Quietly Informing Your Insurance Company
The thermostat that learns your schedule, the security camera that logs your arrivals, and the appliance that tracks your cooking habits are doing more than making your home convenient — they are generating a continuous stream of behavioral data that insurers and their data broker partners are increasingly eager to purchase and act upon. For millions of American homeowners, the smart home has become an unintentional surveillance apparatus pointed directly at their own insurance premiums.