HSB Launched Smart Home Appliance Data Service

Homeowners may see insurers use smart appliance data to refine risk assessments and target prospective policyholders.

Updated on Sept. 29, 2026 in Insurance

Isometric editorial illustration of a home interior featuring interconnected pipes and nodes representing a data network for insurance risk modeling. — HSB has launched SmartLeads, a data analytics service that enables insurance carriers to use connected home appliance data for more precise property risk assessments. AI Illustration. Upload story photo >

Live Poll

Would you share your smart appliance data with an insurance company in exchange for policy credits?

HSB has introduced a new service called SmartLeads that leverages connected appliance data for the insurance industry. This technology is designed to identify potential customers and assist with underwriting and pricing for homeowners insurance.

Why it matters

By analyzing data from connected devices, insurance companies aim to improve their risk assessment capabilities for property coverage. This shift allows providers to better tailor pricing and outreach based on actual home appliance usage.

The firm filed its official trademark application on September 17, 2026, following a 2025 pilot program involving Florida insurers. The total number of households potentially impacted remains unknown as the program scales beyond initial testing.

The players

HSB

An insurance and engineering services provider that specializes in equipment breakdown coverage and provides data-driven risk analysis to the insurance industry.

Samsung

A multinational manufacturer that partners with insurance providers to integrate smart home appliance data into consumer insurance programs.

The details

The SmartLeads software processes information from smart home devices to help insurance carriers identify and evaluate prospective clients. By integrating this data into their underwriting models, insurers can theoretically gain a more granular understanding of property risks. This process builds on the earlier Smart Home Savings program launched in January 2026, which partnered with manufacturers like Samsung to bring connected appliance analytics into the insurance sector.

A pilot program for home insurers was conducted in Florida during 2025.
The Smart Home Savings program was announced in January 2026.
HSB filed a trademark application for the SmartLeads service on September 17, 2026.

Insurance
Sept. 30
Kin Added AI Agents for Insurance Quoting
Insurance
Sept. 28
Vertafore Launched AI Tool to Cut Document Search Times
Insurance
Sept. 28
Homeowners Insurers Posted $16.5 Billion Profit in 2025

Money Landscape

This development follows the implementation of the Smart Home Savings program, which began moving connected appliance data into the insurance sector in January 2026. The industry is currently in a transition period as insurers shift toward using real-time device data to supplement traditional risk models.

Homeowners who use smart appliances may find that their usage data is increasingly utilized by insurance companies to calculate policy pricing. If you are concerned about how your household data affects your premiums, consider discussing your coverage details with a qualified insurance professional.

The takeaway

The insurance industry is increasingly integrating smart appliance data to refine property risk assessment and customer targeting. Readers should review their current insurance policy terms to understand if their smart device data is being shared with providers for underwriting purposes.