Intelligent protection for your home
Comprehensive protection for your connected home: The Smart Home All-Risk insurance from nextsure safeguards your smart devices and systems against unforeseen damage and risks. Benefit from tailor-made coverage specifically designed to meet the needs of modern households, providing quick and straightforward assistance in the event of a claim.
Comprehensive coverage
Swift claims processing
Digital Administration
What is an all-risk smart home insurance?
Protection for connected devices
Coverage in case of misuse
Protection against cyber attacks
Including Surge Damage
Why a comprehensive smart home insurance is indispensable
The Smart Home All-Risk Insurance from nextsure fills this gap with comprehensive protection for modern households, safeguarding hardware against operating errors, short circuits, power surges, water damage, as well as cyber attacks and software errors, enabling worry-free living in the digital age.
Your smart home deserves the best protection
Comprehensive services for your connected life
Comprehensive insurance
Protection against operating errors, clumsiness, short circuit.
Cyber Protection
Protection against hacking attacks on your smart home systems.
Surge
Coverage for damage due to lightning and power grid fluctuations.
Water/Moisture
Protection even without a classic pipe burst in devices.
New Value Insurance
Replacement at new value for irreparable damage.
Software error
Assistance with malfunctions due to software issues.
Quick Help
Digital claims notification and prompt settlement.
Flexibility
Individually customizable tariffs to suit your needs.
Expert knowledge
Expert advice from our insurance specialists.
Discover the benefits of our Smart Home All-Risk Insurance
Your Smart Home
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Which devices and systems are insured?
The prerequisite is that the devices are permanently connected or part of an integrated system. Our policy clearly defines the scope; when choosing a tariff, ensure all relevant device groups are covered for seamless protection of your smart home.
Scope of coverage: What damages does the insurance cover?
Our Smart Home all-risk insurance distinguishes itself with an especially broad range of services that go beyond those of a traditional home contents insurance. You are protected against a variety of risks. These include, in particular: operating errors by yourself or household members, clumsiness, short circuits, overvoltage (e.g., due to lightning strike), implosion/explosion, water, moisture, and liquid damage (even without pipe breakage), vandalism, and sabotage, as well as damages due to construction, material, or execution errors. An important aspect is also protection against the consequences of cyber attacks, such as data loss or functional impairment due to malware, provided these target the insured smart home components. Generally not insured are damages caused by intent, normal wear and tear, guarantee cases, or those already covered by other insurances (e.g., manufacturer's warranty). The specific insured risks and exclusions are transparently detailed in our insurance conditions.
Differences from the traditional home insurance
The classic household insurance provides basic protection for your belongings against defined risks such as fire, water damage, storm/hail, and burglary. While smart home devices are part of your household contents, the specific risks they face are often not covered or only covered inadequately. This is where the smart home all-risk insurance comes in: it is all-risk coverage, meaning everything is insured except what is explicitly excluded. This includes typical damage to electronics such as user error, mishandling, short circuits, overvoltage, and even cyber risks to the smart home components. While household insurance often only covers the new value in the event of total loss, the smart home policy can also cover repair costs or the costs for restoring software. Therefore, it is an essential addition for any household that relies on smart technologies and wants to secure them comprehensively. Carefully review the terms of your household insurance to avoid double insurance and configure the optimal protection for your smart home.
Smart Home Security: Prevention and Insurance Coverage
The security of your smart home is based on two pillars: prevention and insurance coverage. Preventive measures are crucial to minimizing risks from the outset. These include using secure passwords for all devices and the network, performing regular software updates for all components, enabling firewalls, and utilizing two-factor authentication whenever possible. Be cautious when granting access rights and familiarize yourself with the security practices of your device manufacturers. Despite all precautions, damages or failures can never be entirely ruled out. This is where nextsure's Smart Home All-Risk Insurance comes in. It provides financial protection when preventive measures are insufficient or unforeseen events occur. Our insurance covers, for example, damages due to operating errors, technical defects, or cyberattacks that can occur despite careful prevention. A good security strategy, therefore, combines proactive protective measures with solid insurance coverage to fully secure your smart home and enable you to enjoy a worry-free living experience.
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Costs and Factors: What influences the premium?
The premium for a smart home all-risk insurance policy is determined by various factors to ensure a fair and risk-appropriate calculation. A key aspect is the value and number of smart home devices and systems to be insured. The more extensive and high-quality your equipment, the higher the insurance sum tends to be, and thus the premium. The chosen level of coverage also plays a role: tariffs with higher coverage amounts, lower deductibles, or additional components (e.g., extended cyber protection) can influence the costs. Furthermore, location-specific risk factors such as local burglary statistics or the frequency of overvoltage damage from thunderstorms can be included in the calculation. Some insurers also positively consider already implemented security measures, such as certified alarm systems, in the premium design. At nextsure, we value transparent pricing. With our online tariff calculator, you can quickly and easily create an individual offer that is precisely tailored to your needs and your smart home setup.
Claim: How to Report a Claim Correctly
In the event of damage to your smart home devices, a prompt and accurate report is crucial for swift resolution. As a customer of nextsure, you benefit from a fully digitalised process. Firstly, it is important to minimise the damage and avoid further consequential damages—turn off affected devices, for instance, if it is safely possible. Document the damage immediately and in detail: take photos or videos of the damaged devices and the cause of damage, if identifiable. Gather all relevant documents such as purchase receipts, serial numbers of the devices, and repair estimates if applicable. You can conveniently submit the damage report online via our customer portal or our app. Complete the damage form carefully and thoroughly. Our experts will examine your case promptly and will contact you if further information is needed. The goal is to assist you quickly and without unnecessary bureaucracy, making the repair or replacement of your smart home technology as smooth as possible.
Rate comparison: Find the best protection for your smart home
Selecting the right all-risk smart home insurance requires a careful comparison of the available tariffs and services. The price is not the only factor; the scope of coverage and the quality of service are crucial. When comparing, pay attention to the following points: Which devices and systems are explicitly covered? Are all risks relevant to you, such as user errors, short circuits, power surges, and cyber attacks, included? What are the coverage amounts and is there an excess? Are there exclusions that might be relevant to your setup? Also check whether software errors or data recovery costs are covered. nextsure offers you transparent tariff options that you can tailor to your needs. Use our online comparison calculator or consult our experts to find the optimal protection for your smart home. Also consider customer reviews and the provider's experience in niche insurance to make an informed decision and benefit from a reliable partner in the long term.
What exactly is meant by "all-risk"?
The smart home is developing rapidly. Future trends indicate even stronger networking, the use of artificial intelligence to optimise living comfort and energy efficiency, and an increasing integration of health and safety applications. With this technological evolution, the demands on insurance coverage are also rising. Future smart home insurance must become more flexible and be able to adapt more quickly to new types of devices and risk scenarios. Issues such as data protection, securing AI-driven systems, and protection against increasingly sophisticated cyberattacks will become more significant. nextsure closely monitors these developments to continue providing you with innovative and tailored insurance solutions in the future. We rely on modular products that grow with your smart home, giving you the assurance that your connected home will remain optimally protected tomorrow. The integration of preventive services, for example through partnerships with security providers or the use of sensor data for early risk detection, will also play a greater role in proactively avoiding damage and optimising insurance coverage.
