I’ve worked a couple of stints helping my brother do commercial HVAC. Building automation has been a growth industry for at least 10 or 12 years now. The average homeowner can lock and unlock doors, turn lights on and off and adjust the thermostat from a mobile app. I knew about text and email alerts to warn about dangerous or undesirable conditions, but it never occurred to me to consider the usefulness of these things in terms of insurance. Church Mutual Insurance Company sent us a box full of sensors a year or two ago with installation instructions. There was an incentive, in terms of our premiums, to install them. We now have space temp sensors and wet floor sensors in our church building, connected through a wireless router to a monitoring service. If the temperature inside the church drops to near freezing, or water is detected by the water heater or under the kitchen sin, I will get text alerts and a phone call. It’s cheaper for the insurance company to give away the sensors than to fix major damage that can occur if problems go unnoticed. Insurance is all about calculating risk. It’s the same thing with companies that offer auto insurance rates based on your driving habits, which they will monitor when you install their device to track those driving habits.