Samsung Electronics has partnered with Hartford Steam Boiler (HSB), a Munich Re subsidiary, to launch Smart Home Savings a program that reduces home insurance premiums for U.S. homeowners using Samsung appliances connected to the SmartThings app. The service, announced January 6, 2026, allows participating insurers to recognize the protective features of connected appliances like water leak detectors and apply premium-reducing policy credits at no additional cost to consumers. After a successful 2025 pilot in Florida, Samsung and HSB are expanding the program to more U.S. states and plan to extend availability to Europe and other global regions throughout 2026.
How Smart Home Savings Works
Homeowners opt into Smart Home Savings directly through the SmartThings app, which shares information about their connected Samsung appliances with participating insurance carriers. Insurers recognize that homes equipped with appliances capable of detecting early risk indicators such as small water leaks have a stronger safety profile. The system identifies which smart appliances are connected to SmartThings and allows insurers to apply discounts based on the household’s risk-reduction capabilities.
The process requires no separate hardware purchase or installation fees. Homeowners who already own compatible Samsung appliances simply enable the feature in their SmartThings app. The program is aligned with the Home Connectivity Alliance (HCA) Insurance Interface Specification, making it scalable and open to multiple insurers and smart-home brands.
Pilot Results and Expansion Plans
Samsung and HSB tested Smart Home Savings with major U.S. home-insurance carriers in Florida throughout 2025. While actual savings vary by home, state, and insurance company, early results showed meaningful premium reductions for participating households. The program is now publicly available for U.S. insurance companies to join.
The expansion roadmap includes:
- Additional U.S. states in early 2026
- European markets later in 2026
- Other global regions throughout the year
Industry Context and Competition
Smart home insurance discounts have become increasingly common across the industry. USAA offers savings through its Connected Home program with water leak detectors, while Hippo provides complimentary smart home monitoring systems as part of insurance policies. Samsung’s approach differs by integrating the discount mechanism directly into the SmartThings ecosystem rather than requiring third-party monitoring services.
HSB has previously partnered with other IoT companies like Flume for water leak detection services across its insurance provider network. The Samsung collaboration marks HSB’s largest smart-appliance integration to date.
Technology and Risk Assessment
Connected Samsung appliances use IoT sensors and AI to detect potential problems before they escalate into insurance claims. Water leak detection is the primary risk-reduction feature highlighted in the initial rollout, as non-weather water claims represent a significant cost for insurers. SmartThings-connected devices can alert homeowners immediately when abnormal conditions are detected, enabling faster response times.
“A connected home is a safer home,” said Greg M. Barats, President and CEO of HSB Group Inc. Samsung Executive Vice President Hyesoon Yang noted that the company aims to deliver “practical, everyday benefits through connected-home innovation”.
What’s Next
Samsung has not disclosed which specific insurance carriers are participating in the expanded rollout or provided specific premium reduction percentages. The company confirmed the program will remain free for SmartThings users and requires only a wireless network connection. Details on participating insurers and state-by-state availability are expected as the rollout progresses through 2026.
The open, pro-competitive model means additional smart-home brands beyond Samsung could eventually participate through the HCA Insurance Interface Specification framework.
Featured Snippet Boxes
How does Smart Home Savings reduce my insurance premium?
The program shares information about your SmartThings-connected Samsung appliances with participating insurers. Carriers recognize that appliances with early risk detection like water leak sensors make your home safer, and they apply premium-reducing credits that lower your insurance costs.
Which Samsung appliances qualify for insurance discounts?
Any Samsung home appliance connected to the SmartThings app can contribute to your Smart Home Savings profile. Appliances with water leak detection and other protective monitoring features provide the strongest risk-reduction signals to insurers.
Is Smart Home Savings available in my state?
The program launched in Florida in 2025 and is expanding to additional U.S. states in early 2026. Availability depends on participating insurance carriers in your region. Check the SmartThings app for current availability or contact your insurance provider.
Do I pay extra to use Smart Home Savings?
No. Smart Home Savings is included at no additional cost for SmartThings users. You only need existing Samsung appliances connected to the SmartThings app and a wireless network. No separate hardware purchase or subscription is required.
