Your smart home optimally insured
Find personalised tariffs, compare services, and benefit from transparent information and personal advice – digital and straightforward.
- Comprehensive Device Protection
- Rapid claims settlement
- Digital & Transparent
What does a smart home device insurance cover?
- User Error
- Overvoltage Damage
- Water Damage
- Material defects
Why is a specific insurance for smart home devices sensible?
The acquisition of smart home devices often involves significant investments. A specialised smart home device insurance is advisable, as conventional household insurance policies often inadequately cover specific risks such as user errors, power surges, or simple breakages. Smart home devices, due to their connectivity and complex software, are more susceptible to certain types of damage. A dedicated insurance policy from nextsure offers tailored protection here, minimising the financial consequences of a defect and ensuring the value retention of your technology, especially for expensive devices such as intelligent thermostats, security systems, or entertainment systems.
Services of our Smart Home Insurance
Comprehensive Coverage
Protection against damage or destruction from almost all hazards.
User error
Protection against damage caused by misuse and clumsiness.
Surge
Cover for damages caused by lightning, short circuits, induction.
Robbery Theft
Insurance coverage in case of burglary, robbery, and looting.
Material defect
Performance for material, design, and manufacturing defects under warranty.
Cyber-Option
Optional protection against specific cyber risks.
Worldwide Protection
Mobile components are insured worldwide even on the go.
Discover what we can do for your connected home.
Typical Damage Cases with Smart Home Devices and How You Are Insured
In everyday life with smart home devices, various types of damage can occur. A classic example is the smart speaker that falls (accidental damage) or an incorrect software configuration leading to a system failure (operating error). Power surges due to lightning strikes can damage control centres. Liquid damage from a spilled glass is also common. Our smart home device insurance covers these practical risks so that you are not left with the costs of repair or replacement. We insure against damage from short circuits, implosions/explosions, and often also theft outside insured premises.
Smart Home Device Insurance vs. Home Contents Insurance: The Key Differences
The home contents insurance covers basic risks such as fire, water damage, and burglary. Specific risks for smart home devices like operating errors, simple breakage due to clumsiness, or surge damage without a direct lightning strike in the house are often not included or are only partially covered. A dedicated smart home device insurance from nextsure, on the other hand, often offers all-risk protection for the insured devices. This means everything is insured that is not explicitly excluded, including electronic damages that frequently go unaddressed in home contents insurance or require special additional components.
Finding the best tariffs: What to consider when comparing
When comparing tariffs, don't just focus on the price, but primarily on the scope of coverage. Which devices are covered? Are user errors, overvoltage, and water damage included? The compensation performance is important: replacement value or current value? A replacement value compensation is more advantageous. Check the amount of the deductible. Are software errors or cyber damages co-insured? Transparent conditions and a simple online conclusion, as with nextsure, are also important criteria. Carefully compare the insurance conditions to avoid coverage gaps and find the optimal protection for your connected home.
It's that easy to take out your smart home device insurance online
Taking out your smart home device insurance with nextsure is completely digital and straightforward. Use our online calculator to determine your personal premium, based on details about your household and the value of your devices. Select the desired plan and any additional options. The application process is paperless and conducted online. After entering your details and confirming digitally, you will receive your insurance documents via email. Our support team is available to assist you with any questions via chat, email, or telephone to ensure a quick and transparent process.
Installation and operating errors: Are these damages covered by insurance?
Yes, many high-quality policies of our smart home device insurance explicitly include damage caused by user error. If you accidentally make an incorrect setting that leads to a malfunction, or handle a device improperly, the insurance cover can apply. Damage that occurs during self-installation due to clumsiness is also often covered. It is important to check the exact insurance conditions, as gross negligence or intentional damage may be excluded. nextsure places emphasis on clear regulations to give you peace of mind when using your smart devices.
Cyber protection for smart home devices: An important additional component?
Smart home devices are connected and thus exposed to potential cyber risks. A simple device protection often does not cover damages caused by hacking, data misuse, or malware. Therefore, an additional cyber protection component is becoming increasingly important. This can cover costs for data recovery, malware removal, or financial losses resulting from online fraud in connection with smart home devices. Check whether your nextsure smart home insurance offers optional cyber protection or whether a separate cyber insurance is advisable for your risk profile to ensure comprehensive protection.
Preserving the Value of Your Smart Home Technology: Tips and Insurance Coverage
A good smart home device insurance often reimburses at replacement value in the event of damage, at least in the first few years after purchase, thus protecting you from the rapid depreciation of electronics. This secures the material value of your investment. Look for clauses such as the waiver of deductions for 'new for old'. In addition to proper maintenance and software updates, insurance covers unforeseeable damage – from power surges to breakage. With nextsure, you not only secure the functionality but also the value of your intelligent assistants, which contributes to long-term enjoyment of your smart home technology.
Which devices are covered?
The connected home is a reality. A suitable insurance policy provides financial protection and security when dealing with complex technology. A forward-looking smart home device insurance from nextsure is flexible enough to cover new classes of devices and risks, including software aspects and cyber threats. We see ourselves as a partner that accompanies the transition to intelligent living with digital insurance solutions. Secure your smart home comprehensively to invest in the longevity of your systems and your peace of mind. This way, your home becomes not only smarter but also sustainably protected.
Frequently Asked Questions
The acquisition of smart home devices often involves significant investments. A specialised smart home device insurance is advisable, as conventional household insurance policies often inadequately cover specific risks such as user errors, power surges, or simple breakages. Smart home devices, due to their connectivity and complex software, are more susceptible to certain types of damage. A dedicated insurance policy from nextsure offers tailored protection here, minimising the financial consequences of a defect and ensuring the value retention of your technology, especially for expensive devices such as intelligent thermostats, security systems, or entertainment systems.
Yes, many high-quality policies of our smart home device insurance explicitly include damage caused by user error. If you accidentally make an incorrect setting that leads to a malfunction, or handle a device improperly, the insurance cover can apply. Damage that occurs during self-installation due to clumsiness is also often covered. It is important to check the exact insurance conditions, as gross negligence or intentional damage may be excluded. nextsure places emphasis on clear regulations to give you peace of mind when using your smart devices.
Smart home devices are connected and thus exposed to potential cyber risks. A simple device protection often does not cover damages caused by hacking, data misuse, or malware. Therefore, an additional cyber protection component is becoming increasingly important. This can cover costs for data recovery, malware removal, or financial losses resulting from online fraud in connection with smart home devices. Check whether your nextsure smart home insurance offers optional cyber protection or whether a separate cyber insurance is advisable for your risk profile to ensure comprehensive protection.
Typically, all permanently installed and mobile smart home components that serve the control, security, energy efficiency, or comfort of your household are insured. This includes, for example, intelligent thermostats, lights, speakers, security cameras, door locks, sensors, and control centres. Please refer to the insurance terms of your chosen nextsure tariff for the exact list of insured devices.
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