As the adoption of smart home devices grows in India, homeowners must have clarity on insurance coverage and risk management. Industry experts say standard home insurance policies generally cover certain damages from smart appliances, but there are limitations and additional options to consider.

Coverage for Smart Home Devices

According to Gaurav Arora, Chief of Reinsurance, Underwriting and Claims for Property & Casualty at ICICI Lombard, standard home insurance policies typically cover damages caused by insured events such as fire or explosion, even when these involve smart home devices.

For broader protection, homeowners can opt for add-on covers that include mechanical or electrical breakdowns, which cover accidental damages, including short circuits.

Arti Mulik, Chief Technical Of

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