How the insurance providers can benefit from SmartHomes

[NeighborSignal]

What is the most valuable option enabled by the SmartHome technology? (for the insurance providers):
1. Just the fact itself. The fact that the home is connected to the system is impotrant for the insurance.
2. Ability to be connected to the alerts generated by the system.
3. Ability to influence the SmartHome settings and to interact with the SmartHome.
4. Access to the sensors data.

[NeighborSignal]

Is there an opportunity to move from being passive and reacting to losses to helping prevent them ?