Protection Topic

Building a Layered Protection Strategy

A PRACTICAL APPROACH

Design Principles

A useful home protection strategy should reflect how people actually
live, communicate and respond to changing circumstances.

01

Start with real needs

Start with the household’s actual concerns, layout, travel patterns
and support needs.

02

Put life safety first

Protect life safety before convenience or property evidence.

03

Plan for failure

Avoid single points of failure where practical.

04

Make roles clear

An alert is only useful if someone understands it and can act safely.

05

Test the full process

Test the complete process, not only the device.

06

Review when things change

Review the plan after renovations, household changes, travel changes
or an incident.

DIGITAL SAFETY

Protecting the Connected Home

Connected devices can support awareness and convenience, but
account security, privacy and backup plans remain essential.

  • Use unique passwords and multi-factor authentication where available.
  • Keep phones, routers, apps and connected devices updated.
  • Remove access for former occupants, contractors or employees when no longer required.
  • Review privacy zones, camera angles and cloud-sharing permissions.
  • Do not rely entirely on internet-connected functions for life-safety planning.
  • Document who is authorized to administer accounts and how access can be recovered.
Key consideration

Plan for situations such as internet outages, power interruptions,
lost phones and unavailable account administrators. Ensure essential
safety measures and emergency procedures do not depend on a single
connected device or account.

These principles provide an educational framework for household planning.
Adapt them to the property, household requirements, applicable safety
guidance and relevant insurance terms.

Important: Home protection technology cannot prevent every loss or guarantee detection, reporting or resolution. Insurance coverage, deductibles, exclusions, endorsements, pricing and eligibility vary by insurer and policy.