Smart homes are no longer just about convenience. In 2025, homeowners in India are increasingly turning to intelligent upgrades that offer better security, improved efficiency, and long-term savings. Whether you are renovating or building new, certain smart home features improve lifestyle and enhance the property’s market value.
Smart home technology allows homeowners to manage and automate different aspects of their house using internet-connected devices. These upgrades offer benefits such as:
● Improved energy efficiency
● Enhanced safety and security
● Higher resale value
● Better control over household functions
● Convenience through mobile app access
Here is the list of the must-have smart home upgrades that every home should have.
These systems allow you to control lights remotely using your smartphone or voice assistant. Many setups offer motion sensors and scheduling features that help reduce electricity bills.
Benefits:
● Energy-efficient
● Enhances mood and ambience
● Increases home security by simulating occupancy
Popular Options:
● Philips Hue
● Wipro Smart Lights
● Syska Smart LED
A smart thermostat learns your schedule and preferences and automatically adjusts the temperature, resulting in better comfort and lower energy consumption.
Benefits:
● Saves electricity
● Improves comfort levels
● Allows remote temperature control
Examples:
● Nest Thermostat
● Ecobee SmartThermostat
A reliable smart security setup includes doorbell cameras, motion detectors, smart locks, and surveillance systems. These features can be monitored via apps for real-time alerts.
Benefits:
● Deters burglars
● Helps track visitors and deliveries
● Allows remote locking and unlocking
Components to Consider:
● Smart door locks
● Video doorbells
● Outdoor CCTV cameras
● Window sensors
Note: Installing security upgrades may lower your home insurance premium, as it reduces risk for the insurer.
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Advanced safety gadgets such as smoke alarms and gas leak detectors can prevent major disasters. These systems automatically alert you to take quick action, whether you are at home or away.
Benefits:
● Early detection of fire or gas leaks
● Reduces risk of property damage
● Improves safety for occupants
Devices to Install:
● Smart smoke detectors
● LPG gas leak sensors
Smart plugs and energy monitoring devices help track electricity usage of specific appliances. These tools also allow you to turn devices off remotely to avoid waste.
Benefits:
● Prevents energy overuse
● Reduces electricity bills
● Adds a layer of safety for unattended appliances
Common Brands:
● TP-Link
● Wipro Smart Plug
Voice assistants like Amazon Alexa or Google Assistant act as the brain of your smart home. They allow you to control multiple devices through simple voice commands.
Benefits:
● Centralised control
● Hands-free operation
● Seamless integration with other smart gadgets
Tip: Ensure your devices are compatible with your chosen voice assistant.
An automation hub acts as the control centre for all your smart devices. It helps them work together, ensuring you do not have to operate each one separately.
Benefits:
● Streamlined operations
● Custom routines for daily tasks
● Simplified user experience
Options:
● Samsung SmartThings
● Apple HomeKit
Providers like Digit Insurance offer comprehensive home insurance plans tailored for modern smart homes. With coverage options that include protection for electronics, high-value gadgets, and home automation systems, they ensure that you're not just insuring your walls but the technology that powers your lifestyle.
While smart upgrades offer better control and peace of mind, they are also a significant financial investment. Home insurance helps secure your home and the expensive devices inside it.
What Does Home Insurance Cover?
A standard home insurance policy may cover:
● Damage to the building structure
● Loss or damage to home contents
● Theft or burglary
● Fire, natural calamities, and other perils
Some insurers also offer add-ons for electronics or custom-built features.
Smart devices can be costly to repair or replace. Homeowners should ensure that their home insurance covers:
● Accidental damage to smart systems
● Theft of portable devices
● Fire or electrical short-circuits affecting tech equipment
Adding the right coverage ensures you are not left paying out of pocket for high-tech damage.
● Check if the policy covers electronics and smart appliances.
● Look for options that offer protection against natural calamities and fire.
● Consider add-ons to cover high-value devices specifically.
● Read the policy document carefully to understand exclusions.
Smart home upgrades are not just about luxury; they bring measurable improvements to daily life, security, and property value. Whether it is automating your lighting or securing your home with smart cameras, each investment adds comfort and functionality. But these upgrades also come with higher stakes. Protecting your home and the smart systems within it is essential. A comprehensive home insurance plan ensures that your financial investment in smart technology remains secure.
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