The modern home is no longer just a physical space.With the ever-widening penetration of "smart" technology in our homes, it is a connected ecosystem of smart devices that provide us with comfort, security and convenience.The line between physical and digital security is blurring and the smart home needs smart protection.Today, a well-secured home means not only strong walls and good neighbors, but also robust cyber protection against cyber-threats.This turns the most advanced devices into a potential gateway for hackers.Smart thermostats regulate the temperature, security cameras monitor the property, smart locks open the doors with the mobile application are technological advances that also hide a new type of vulnerability.

What is smart home insurance?

Insurance for cyber-doors and "smart home" devices is an innovative product that covers damages caused specifically by malicious acts,security breaches and unauthorized accessto intelligent systems, providing financial protection and the ability to quickly restore normal work and home security.

What does the policy cover?

The policy may cover damage to:

Hacking Smart Devices:compromising thermostats, air conditioners, lighting systems, audio-video equipment and other related devices.Includes system recovery costs and replacement of compromised devices.Even the legal support needed to deal with the privacy breach;
Security systems:smart cameras, motion sensors, alarm systems and video intercoms.Covers both technological losses and potential intrusion damage made possible by compromised security;
Smart locks and access control:in case of unauthorized access through hacked smart locks, garage doors or biometric control systems;
Identity Theft:Protection against leakage of sensitive information stored in smart devices – video recordings, voice commands, personal habits and routines;
Financial losses:Compensation for damage caused by tampered devices - increased electricity bills due to a sabotaged thermostat, damaged appliances due to intentional overheating;
Property damage and theft: In the event that a hacker remotely unlocks the smart lock, allowing a thief to enter and ransack a home, standard home insurance may deny coverage because there is no forced entry.However, cyber door insurance covers damage and stolen property in such cases, providing financial protection against the consequences of a cyber attack;
Liability to third parties: When the smart device causes damage to a third party, the insurance protects the owner of the device;
Cyber extortion: Some policies offer coverage and counseling in the event that hackers encrypt smart systems and demand a ransom to release them.

What will you get back?

In the event of an accident, the insurance coversrestoration of access, cost of repair or replacement of affected devices, as well asdamage caused by the breach— for example, if property is unlocked or material damage is caused by hacking into the system.Coverage typically includes repair or replacement of damaged devices such as smart thermostats, video surveillance, remote locks and other home automation-related items. In addition to financial protection, the policy also offersprofessional cyber help– experts who can identify the source of the attack, remove malware and restore your network security.

Smart decision

In a world where our house has its own IP address and our door a password,the smart solution is prevention.According to a 2024 study, 67% of smart homes are vulnerable to hacker attacks due to weak device protection.
Another important benefit of this insurance is that it supports prevention by monitoring and reporting suspicious activity, which reduces the risk of serious damage.Customers can count on professional support when they need a real-time response.

How much does it cost?

The price starts fromBGN 12–25 per month, depending on the number of devices and coverage limit.Some policies require a firmware update and two-factor authentication.It may involve installing specific security measures or certain types of devices to be valid.

More information aboutsee the different types of insurance on the Insurance.bg website!

Frequently asked questions

What is smart home insurance?

Answer: Smart home insurance covers damage caused by cyber attacks against connected devices in the home.This includes hacking, data loss, remote door unlocking or appliance sabotage.Provides financial compensation and technical assistance to restore systems.It is a supplement to standard property insurance, but it is aimed at digital risks.

What risks does such an insurance cover?

Answer: Security breaches of cameras, smart locks, thermostats, lighting and home networks are covered.Included are costs for device replacement, malware removal and personal data theft protection.Thefts committed via remote unlocking may also be covered.Some policies also offer cyber extortion protection.

Does smart home insurance replace a standard property policy?

Answer: No, it does not replace the classic "Home" insurance, but complements it.Standard policies often do not cover damage that occurs without physical evidence of a break-in.Cyber insurance fills this gap for attacks carried out remotely over the Internet.The combination of the two provides complete protection for the home.

What is covered after an accident?

Answer: The insurance reimburses the cost of repairing or replacing the damaged devices.Professional cyber support to detect the source of the attack is also covered.Compensation is possible for financial losses caused by sabotaged systems.In some cases, legal support is also provided.

How much does smart home insurance cost?

Answer: The price usually starts from BGN 12–25 per month, depending on the number of devices and the liability limit.Higher limits and additional coverages increase the price.Some providers require basic cybersecurity measures for the policy to be valid.This includes software updates and password protection.

A smart home deserves smart protection – security is no longer measured only in keys and alarms

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