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Drew Blankenship

7 Smart-Home Habits That Can Signal Greater Independence to Insurance Providers in 2026

smart-home habits
Technology is helping more seniors be able to age in place. However, insurance providers want to see a few key habits to give them a “thumbs up.” Shutterstock

More seniors are choosing to age in place these days, and insurance companies are paying closer attention to the smart-home habits that may reduce risk inside the home. From leak detection systems to automated lighting and monitored security setups, insurers increasingly view certain technologies as signs that homeowners are actively preventing accidents, fires, theft, and medical emergencies. Generally speaking, smart-home technology is also becoming part of larger conversations around independence, especially as older Americans try to stay in their homes longer instead of moving into assisted living facilities. That said, here are seven habits that could signal greater independence to insurance providers.

1. Using Smart Water Leak Detection Systems Consistently

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