Appliances continue to become more intelligent, with the promise of greater convenience and comfort at the flick of a? light switch. Recent innovations have expanded the concept of a house "smart", offering a connected home where we can benefit from centralized and remote control of our devices. This new network technology based on the "Internet of Things" - the devices connected to each other via the Internet
This technology may be new, but one of its most great challenges is :. Security. At present, most of us have experience of first or second-hand with identity theft - but this new technology has put our privacy and financial security on the line
Here are some ways to embrace smart technology with a more intelligent strategy:
integrated household Systems
Talk to your broker about the break cover household equipment. owner policies will generally not cover the costs of investigation and repair of an integrated system if it fails, leaving you out of pocket to restore your security systems, entertainment or integrated comfort.
houses without technology "smart" can also benefit from this cover :. complex systems, including geothermal and radiant heating may be specifically provided, the transfer of financial risk of failure of the system to your insurer and protect the cash flow of your household in case of failure
Equipment Breakdown cover is a flexible option, allowing you to buy only as much coverage you need and keep the cost low coverage.
devices connected to the Internet
Don 't allow the Internet of Things to compromise your privacy. IP cameras, webcams, gaming consoles and other similar devices can observe our remote homes and interact with family and friends -. but they can be easily accessed by others if not properly attached
carefully follow the installation and safety instructions included with the routers without self-installed wireless, IP cameras and webcams. Always create your own unique password to access each device. Never use the default password set by the manufacturer: they are accessible to the public and do not protect you against unauthorized access
Set password "strong" :. Avoid commonly used words and all words related to you or your family. The names of pets and children are easy to guess - instead, use words that no partner with you, and use other numbers and symbols -. Or use a secure password generator, hosted by a reputable security provider
In general rule of thumb: any networked device with a camera is a potential risk to security and should be in place to prevent unauthorized access. If in doubt, consider hiring a professional technician to install your new devices and explain how to use and maintain strong security settings.
Personal & Financial Information
Never staff access information using a public WiFi connection: they can be easily intercepted and viewed by others may abuse the information they collect. This includes personal and business e-mail, online banking and social networks, all of which can provide an unauthorized user to access a treasure trove of personal information.
Protect your computers, tablets and smartphones running the -date security software update :. new products include cloud protection against scams "phishing" and dangerous websites
If you use online banking, make sure you carefully review the terms and conditions of your bank and all the guarantees offered in case the accounts are compromised. These guarantees are often subjected to very broad exclusions and can be canceled by using passwords that do not meet the requirements of the bank or even using the same password on multiple accounts.
educate inexperienced Internet users on responsible navigation techniques and common scams. If a link or pop are not exactly what you want, do not click it. As for those "you won!" Banners and ads ... if you enter a contest, you do not win. Beware of enticements that attract your browser to sites and downloads that may endanger your safety.
For more information on what your personal insurance covers, what it does not cover, and what additional coverage you can add, speak to one of our experts at Rogers Insurance.
How do you protect yourself against unwanted electronic intruders? How can we help? Tell us below
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