{"id":19285,"date":"2024-09-20T08:47:53","date_gmt":"2024-09-20T13:47:53","guid":{"rendered":"https:\/\/bolttech.io\/insight\/cac-thiet-bi-nha-thong-minh-se-anh-huong-den-phi-bao-hiem-cua-ban-nhu-the-nao\/"},"modified":"2024-09-20T08:47:55","modified_gmt":"2024-09-20T13:47:55","slug":"cac-thiet-bi-nha-thong-minh-se-anh-huong-den-phi-bao-hiem-cua-ban-nhu-the-nao","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/cac-thiet-bi-nha-thong-minh-se-anh-huong-den-phi-bao-hiem-cua-ban-nhu-the-nao\/","title":{"rendered":"C\u00e1c thi\u1ebft b\u1ecb nh\u00e0 th\u00f4ng minh s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ph\u00ed b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n nh\u01b0 th\u1ebf n\u00e0o"},"content":{"rendered":"\n<p>C\u00e1c thi\u1ebft b\u1ecb nh\u00e0 th\u00f4ng minh \u0111\u00e3 ph\u1ed5 bi\u1ebfn trong c\u00e1c ng\u00f4i nh\u00e0 tr\u00ean to\u00e0n qu\u1ed1c, nh\u01b0ng ng\u00e0nh b\u1ea3o hi\u1ec3m v\u1eabn s\u1ebd th\u1ea5y s\u1ef1 gia t\u0103ng v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng.<\/p>\n\n<p>Theo nghi\u00ean c\u1ee9u c\u1ee7a <a href=\"https:\/\/iotbusinessnews.com\/2021\/02\/11\/06951-the-number-of-smart-homes-in-europe-and-north-america-will-reach-179-million-in-2024\/\" target=\"_blank\" rel=\"noreferrer noopener\">Berg Insight<\/a>, m\u1ed9t c\u00f4ng ty ph\u00e2n t\u00edch IoT, M\u1ef9 l\u00e0 th\u1ecb tr\u01b0\u1eddng nh\u00e0 th\u00f4ng minh h\u00e0ng \u0111\u1ea7u tr\u00ean th\u1ebf gi\u1edbi, t\u1ef1 h\u00e0o v\u1edbi t\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp 35,6% v\u00e0 t\u1ed5ng c\u1ed9ng 51,2 tri\u1ec7u ng\u00f4i nh\u00e0 th\u00f4ng minh.<\/p>\n\n<p>C\u00e1c thi\u1ebft b\u1ecb n\u00e0y r\u00f5 r\u00e0ng ph\u1ed5 bi\u1ebfn v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng mu\u1ed1n ti\u1ebft ki\u1ec7m th\u1eddi gian, t\u1ef1 \u0111\u1ed9ng h\u00f3a c\u00e1c ho\u1ea1t \u0111\u1ed9ng h\u00e0ng ng\u00e0y v\u00e0 b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n c\u1ee7a h\u1ecd t\u1ed1t h\u01a1n.\nNh\u01b0ng b\u00e2y gi\u1edd c\u00e1c thi\u1ebft b\u1ecb n\u00e0y ph\u1ee5c v\u1ee5 m\u1ed9t m\u1ee5c \u0111\u00edch kh\u00e1c: gi\u1ea3m ph\u00ed b\u1ea3o hi\u1ec3m. <\/p>\n\n<p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a do c\u00e1c thi\u1ebft b\u1ecb n\u00e0y t\u1ea1o ra \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh b\u00e1o gi\u00e1 b\u1ea3o hi\u1ec3m t\u1ed1t h\u01a1n v\u00e0 th\u01b0\u1edfng cho ch\u1ee7 nh\u00e0 v\u00e0 ng\u01b0\u1eddi thu\u00ea nh\u00e0 s\u1eed d\u1ee5ng ch\u00fang \u0111\u1ec3 b\u1ea3o v\u1ec7 v\u00e0 ch\u0103m s\u00f3c t\u00e0i s\u1ea3n c\u1ee7a h\u1ecd t\u1ed1t h\u01a1n.<\/p>\n\n<h2 class=\"wp-block-heading\">L\u00e0m th\u1ebf n\u00e0o c\u00e1c thi\u1ebft b\u1ecb th\u00f4ng minh c\u00f3 th\u1ec3 gi\u1ea3m ph\u00ed b\u1ea3o hi\u1ec3m?<\/h2>\n\n<p>B\u00ed m\u1eadt \u0111\u1eb1ng sau ti\u1ec1m n\u0103ng ti\u1ebft ki\u1ec7m ti\u1ec1n c\u1ee7a c\u00e1c thi\u1ebft b\u1ecb nh\u00e0 th\u00f4ng minh l\u00e0 d\u1eef li\u1ec7u.\nM\u1ed9t thi\u1ebft b\u1ecb th\u00f4ng minh c\u00f3 th\u1ec3 cung c\u1ea5p cho kh\u00e1ch h\u00e0ng b\u1eb1ng ch\u1ee9ng d\u01b0\u1edbi d\u1ea1ng d\u1eef li\u1ec7u r\u1eb1ng h\u1ecd \u0111ang ch\u0103m s\u00f3c \u0111\u00fang c\u00e1ch cho ng\u00f4i nh\u00e0 c\u1ee7a h\u1ecd, <a href=\"https:\/\/www.control4.com\/blog\/440\/can-smart-home-technology-reduce-home-insurance-rates\/\" target=\"_blank\" rel=\"noreferrer noopener\">Nathan Barber<\/a> vi\u1ebft t\u1ea1i Control4, m\u1ed9t nh\u00e0 cung c\u1ea5p h\u1ec7 th\u1ed1ng m\u1ea1ng v\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a.\nKhi ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 ch\u1ee9ng minh r\u1eb1ng h\u1ecd \u0111ang ch\u1ee7 \u0111\u1ed9ng trong vi\u1ec7c b\u1ea3o v\u1ec7 ng\u00f4i nh\u00e0 c\u1ee7a h\u1ecd, ph\u00ed b\u1ea3o hi\u1ec3m th\u1ea5p h\u01a1n v\u00e0 c\u00e1c kho\u1ea3n gi\u1ea3m gi\u00e1 kh\u00e1c c\u00f3 th\u1ec3 c\u00f3 th\u1ec3.  <\/p>\n\n<p>C\u00e1c thi\u1ebft b\u1ecb n\u00e0y c\u0169ng c\u00f3 th\u1ec3 gi\u00fap gi\u1ea3m r\u1ee7i ro t\u1eeb quan \u0111i\u1ec3m c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nNh\u1eefng ng\u00f4i nh\u00e0 \u0111\u01b0\u1ee3c theo d\u00f5i li\u00ean t\u1ee5c s\u1ebd \u00edt r\u1ee7i ro h\u01a1n, <a href=\"https:\/\/www.miginsurance.ca\/blog\/iot-how-does-a-connected-home-affect-your-risk-and-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Alex Harms<\/a> t\u1ea1i MIG Insurance vi\u1ebft.\n&#8220;Gi\u1ea3m nguy c\u01a1 \u0111\u1ed9t nh\u1eadp b\u1eb1ng chu\u00f4ng c\u1eeda video v\u00e0 \u00e1nh s\u00e1ng \u0111\u01b0\u1ee3c l\u1eadp tr\u00ecnh \u0111\u1ec3 ng\u0103n ch\u1eb7n ho\u1ea1t \u0111\u1ed9ng \u0111\u00e1ng ng\u1edd l\u00e0m cho m\u1ed9t cu\u1ed9c t\u1ea5n c\u00f4ng m\u1ea1ng nh\u00e0 th\u00f4ng minh c\u00f3 nguy c\u01a1 m\u1ea5t m\u00e1t th\u1ea5p h\u01a1n v\u00e0 do \u0111\u00f3 n\u00ean gi\u1ea3m ph\u00ed b\u1ea3o hi\u1ec3m&#8221;, c\u00f4 gi\u1ea3i th\u00edch.  <\/p>\n\n<p>C\u00e1c thi\u1ebft b\u1ecb th\u00f4ng minh c\u0169ng c\u00f3 th\u1ec3 ng\u0103n ng\u1eeba thi\u1ec7t h\u1ea1i x\u1ea3y ra, do \u0111\u00f3 ti\u1ebft ki\u1ec7m cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m m\u1ed9t kho\u1ea3n thanh to\u00e1n, <a href=\"https:\/\/www.hippo.com\/blog\/insurance-providers-want-smart-home\" target=\"_blank\" rel=\"noreferrer noopener\">Elizabeth Smith<\/a> vi\u1ebft t\u1ea1i B\u1ea3o hi\u1ec3m Hippo. V\u00ed d\u1ee5, Hippo cung c\u1ea5p cho kh\u00e1ch h\u00e0ng m\u1edbi c\u00e1c c\u1ea3m bi\u1ebfn ti\u00ean ti\u1ebfn mi\u1ec5n ph\u00ed \u0111\u1ec3 ph\u00e1t hi\u1ec7n r\u00f2 r\u1ec9 n\u01b0\u1edbc. C\u00e1c nh\u00e0 cung c\u1ea5p kh\u00e1c cung c\u1ea5p \u0111\u1ea7u b\u00e1o kh\u00f3i v\u00e0 c\u00e1c h\u1ec7 th\u1ed1ng kh\u00e1c nhau. C\u00e1c thi\u1ebft b\u1ecb th\u00f4ng minh \u0111\u01a1n gi\u1ea3n c\u1ea3nh b\u00e1o nguy hi\u1ec3m ho\u1eb7c ph\u00e1 h\u1ee7y s\u1eafp x\u1ea3y ra cung c\u1ea5p ph\u1ea1m vi b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n h\u01a1n v\u00e0 y\u00ean t\u00e2m h\u01a1n.<\/p>\n\n<h2 class=\"wp-block-heading\">Nhi\u1ec1u d\u1eef li\u1ec7u h\u01a1n c\u00f3 ngh\u0129a l\u00e0 m\u1ed9t c\u00e1ch l\u00e0m vi\u1ec7c t\u1ed1t h\u01a1n cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/h2>\n\n<p>Ngo\u00e0i vi\u1ec7c gi\u1ea3m r\u1ee7i ro, c\u00e1c thi\u1ebft b\u1ecb th\u00f4ng minh c\u00f2n trao quy\u1ec1n cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1ed1i \u01b0u h\u00f3a ho\u1ea1t \u0111\u1ed9ng v\u00e0 c\u1ea3i thi\u1ec7n quy tr\u00ecnh l\u00e0m vi\u1ec7c c\u1ee7a h\u1ecd.<\/p>\n\n<p>\u0110\u1ea7u ti\u00ean, c\u00e1c thi\u1ebft b\u1ecb nh\u00e0 th\u00f4ng minh gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m gi\u1ea3m ti\u1ebfp x\u00fac v\u00e0 c\u1ea3i thi\u1ec7n quy tr\u00ecnh b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh c\u1ee7a h\u1ecd.\nD\u1eef li\u1ec7u \u0111\u01b0\u1ee3c cung c\u1ea5p b\u1edfi c\u00e1c thi\u1ebft b\u1ecb n\u00e0y cho ph\u00e9p c\u00e1c nh\u00e0 b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh t\u1ea1o ra c\u00e1c thu\u1eadt to\u00e1n t\u1ed1t h\u01a1n \u0111\u1ec3 t\u1ea1o ra d\u1ef1 \u0111o\u00e1n r\u1ee7i ro ch\u00ednh x\u00e1c h\u01a1n \u0111\u00e1ng k\u1ec3, nh\u00f3m nghi\u00ean c\u1ee9u t\u1ea1i nh\u00e0 cung c\u1ea5p nh\u00e0 \u1edf <a href=\"https:\/\/www.tacares.com\/ta-blog\/how-smart-home-technology-influencing-home-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">t\u1ea1m th\u1eddi Temporary Accommodations<\/a> cho bi\u1ebft. <\/p>\n\n<p>Th\u1ee9 hai, h\u1ecd c\u1ea3i thi\u1ec7n quy tr\u00ecnh y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng.\nKho\u1ea3n thanh to\u00e1n kh\u00f4ng ph\u1ea3i l\u00e0 c\u00e1ch duy nh\u1ea5t m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m m\u1ea5t ti\u1ec1n trong qu\u00e1 tr\u00ecnh y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, theo c\u00f4ng ty n\u0103ng l\u01b0\u1ee3ng <a href=\"https:\/\/blog.constellation.com\/2021\/01\/12\/smart-home-insurance-discounts\/\" target=\"_blank\" rel=\"noreferrer noopener\">Constellation<\/a>. <\/p>\n\n<p>&#8220;Ngo\u00e0i vi\u1ec7c tr\u1ea3 ti\u1ec1n cho b\u1ea1n cho t\u1ed5n th\u1ea5t c\u1ee7a b\u1ea1n khi b\u1ea1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, c\u00e1c nh\u00e0 cung c\u1ea5p b\u1ea3o hi\u1ec3m ph\u1ea3i trang tr\u1ea3i chi ph\u00ed \u0111\u1ec3 qu\u1ea3n l\u00fd tr\u01b0\u1eddng h\u1ee3p c\u1ee7a b\u1ea1n,&#8221; h\u1ecd vi\u1ebft.\n&#8220;C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ea1y c\u00e1c con s\u1ed1 v\u00e0 bi\u1ebft r\u1eb1ng ch\u1ee7 s\u1edf h\u1eefu nh\u00e0 th\u00f4ng minh c\u00f3 kh\u1ea3 n\u0103ng n\u1ed9p \u00edt y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng h\u01a1n v\u00ec nh\u00e0 th\u00f4ng minh an to\u00e0n h\u01a1n, \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 t\u1ed1t h\u01a1n v\u00e0 \u0111\u00e1ng tin c\u1eady h\u01a1n. V\u1edbi t\u1ef7 l\u1ec7 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng th\u1ea5p h\u01a1n, h\u1ecd ti\u1ebft ki\u1ec7m g\u1ea5p \u0111\u00f4i v\u00e0 c\u00f3 th\u1ec3 chuy\u1ec3n m\u1ed9t s\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m cho b\u1ea1n d\u01b0\u1edbi d\u1ea1ng ph\u00ed b\u1ea3o hi\u1ec3m th\u1ea5p h\u01a1n. <\/p>\n\n<p>Cu\u1ed1i c\u00f9ng, d\u1eef li\u1ec7u t\u1eeb c\u00e1c thi\u1ebft b\u1ecb th\u00f4ng minh cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m chuy\u1ec3n \u0111\u1ed5i m\u00f4 h\u00ecnh c\u1ee7a h\u1ecd t\u1eeb vi\u1ec7c b\u00f9 \u0111\u1eafp t\u1ed5n th\u1ea5t sang qu\u1ea3n l\u00fd r\u1ee7i ro ch\u1ee7 \u0111\u1ed9ng, nh\u00f3m nghi\u00ean c\u1ee9u t\u1ea1i <a href=\"https:\/\/www.essence-grp.com\/blog\/insurance-and-the-smart-home-industry-a-win-win-proposition\/\" target=\"_blank\" rel=\"noreferrer noopener\">Essence Group<\/a>, nh\u00e0 cung c\u1ea5p c\u00e1c gi\u1ea3i ph\u00e1p ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe v\u00e0 b\u1ea3o m\u1eadt d\u1ef1a tr\u00ean \u0111\u00e1m m\u00e2y vi\u1ebft.\n&#8220;Vi\u1ec7c tri\u1ec3n khai c\u00e1c c\u1ea3m bi\u1ebfn v\u00e0 thi\u1ebft b\u1ecb tr\u00ean kh\u1eafp ng\u00f4i nh\u00e0 \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m tr\u1edf th\u00e0nh nh\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro ch\u1ee7 \u0111\u1ed9ng. Thay v\u00ec ch\u1ec9 \u0111\u01a1n gi\u1ea3n l\u00e0 ph\u1ea3n \u1ee9ng v\u1edbi m\u1ed9t y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 ch\u1ee7 \u0111\u1ed9ng gi\u1ea3m thi\u1ec3u r\u1ee7i ro. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/smart-lock-1024x683.jpg\" alt=\"\" class=\"wp-image-10004\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/smart-lock-1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/smart-lock-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/smart-lock-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/smart-lock.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">C\u00e1c lo\u1ea1i thi\u1ebft b\u1ecb nh\u00e0 th\u00f4ng minh ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng<\/h2>\n\n<p>Kh\u00f4ng thi\u1ebfu c\u00e1c thi\u1ebft b\u1ecb nh\u00e0 th\u00f4ng minh m\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng \u0111\u1ec3 c\u00f3 kh\u1ea3 n\u0103ng gi\u1ea3m ph\u00ed b\u1ea3o hi\u1ec3m.\nB\u1ed9 \u0111i\u1ec1u nhi\u1ec7t th\u00f4ng minh c\u00f3 v\u1ebb nh\u01b0 kh\u00f4ng th\u1ec3 gi\u1ea3m ph\u00ed b\u1ea3o hi\u1ec3m, <a href=\"https:\/\/www.idropnews.com\/products\/these-smart-devices-can-earn-you-discounts-on-your-home-insurance\/143919\/\" target=\"_blank\" rel=\"noreferrer noopener\">Tyler Lacoma<\/a> vi\u1ebft t\u1ea1i iDrop News, nh\u01b0ng c\u1ea3i thi\u1ec7n qu\u1ea3n l\u00fd n\u0103ng l\u01b0\u1ee3ng c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn nh\u1eefng ng\u00f4i nh\u00e0 kh\u1ecfe m\u1ea1nh h\u01a1n v\u00e0 nhi\u1ec1u ng\u01b0\u1eddi l\u00e0m vi\u1ec7c v\u1edbi h\u1ec7 th\u1ed1ng an ninh ho\u1eb7c t\u1eaft qu\u1ea1t n\u1ebfu &#8220;nhi\u1ec7t \u0111\u1ed9 t\u0103ng cho th\u1ea5y h\u1ecfa ho\u1ea1n ti\u1ec1m \u1ea9n&#8221;.\nM\u1eb7t kh\u00e1c, m\u1ed9t c\u00e1i g\u00ec \u0111\u00f3 nh\u01b0 m\u00e1y d\u00f2 r\u00f2 r\u1ec9 n\u01b0\u1edbc c\u00f3 l\u1ee3i \u00edch r\u00f5 r\u00e0ng h\u01a1n nhi\u1ec1u.  <\/p>\n\n<p>&#8220;M\u00e1y d\u00f2 r\u00f2 r\u1ec9 \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 \u0111\u1eb7t \u1edf nh\u1eefng n\u01a1i d\u1ec5 b\u1ecb ng\u1eadp l\u1ee5t, nh\u01b0 ph\u00f2ng t\u1eafm, t\u1ea7ng h\u1ea7m ng\u1ea7m v\u00e0 c\u00e1c v\u1ecb tr\u00ed t\u01b0\u01a1ng t\u1ef1&#8221;, \u00f4ng gi\u1ea3i th\u00edch.\n&#8220;N\u1ebfu h\u1ecd ph\u00e1t hi\u1ec7n ra \u0111\u1ed9 \u1ea9m, h\u1ecd c\u00f3 th\u1ec3 t\u1ef1 \u0111\u1ed9ng g\u1eedi c\u1ea3nh b\u00e1o \u0111\u1ebfn \u0111i\u1ec7n tho\u1ea1i c\u1ee7a b\u1ea1n \u0111\u1ec3 b\u1ea1n c\u00f3 th\u1ec3 \u0111i\u1ec1u tra v\u00e0 h\u00e0nh \u0111\u1ed9ng n\u1ebfu c\u00f3 v\u1ebb nh\u01b0 c\u00f3 r\u00f2 r\u1ec9 ho\u1eb7c l\u0169 l\u1ee5t.&#8221;\nN\u00f3 th\u1eadm ch\u00ed c\u00f2n t\u1ed1t h\u01a1n t\u1eeb quan \u0111i\u1ec3m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u1ebfu m\u00e1y d\u00f2 c\u00f3 th\u1ec3 t\u1eaft n\u01b0\u1edbc ho\u1eb7c k\u00edch ho\u1ea1t m\u00e1y b\u01a1m b\u1ec3 ph\u1ed1t.  <\/p>\n\n<p>\u0110\u00f3 kh\u00f4ng ph\u1ea3i l\u00e0 lo\u1ea1i thi\u1ebft b\u1ecb ph\u00e1t hi\u1ec7n duy nh\u1ea5t c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n ti\u1ebft ki\u1ec7m ti\u1ec1n.\nM\u00e1y d\u00f2 kh\u00f3i th\u00f4ng minh c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m \u0111\u00e1ng k\u1ec3 nguy c\u01a1 h\u1ecfa ho\u1ea1n b\u00f9ng ph\u00e1t, nh\u00e0 v\u0103n t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n <a href=\"https:\/\/www.foxbusiness.com\/money\/home-insurance-reduce-premiums-smart-devices\" target=\"_blank\" rel=\"noreferrer noopener\">Tara Mastroeni<\/a> t\u1ea1i Fox Business cho bi\u1ebft.\n&#8220;M\u1eb7c d\u00f9 m\u1ed7i \u0111\u1ea7u b\u00e1o kh\u00f3i l\u00e0 kh\u00e1c nhau, h\u1ea7u h\u1ebft c\u00e1c m\u00f4 h\u00ecnh th\u00f4ng minh s\u1ebd g\u1eedi cho b\u1ea1n c\u1ea3nh b\u00e1o t\u1ef1 \u0111\u1ed9ng \u0111\u1ec3 b\u1ea3o tr\u00ec, t\u1eaft t\u1eeb xa trong tr\u01b0\u1eddng h\u1ee3p b\u00e1o \u0111\u1ed9ng sai v\u00e0 th\u00f4ng b\u00e1o cho c\u00f4ng ty c\u1ee9u h\u1ecfa \u0111\u1ecba ph\u01b0\u01a1ng c\u1ee7a b\u1ea1n n\u1ebfu c\u00f3 v\u1ea5n \u0111\u1ec1.&#8221;  <\/p>\n\n<p>Sau \u0111\u00f3 l\u00e0 thi\u1ebft b\u1ecb an ninh th\u00f4ng minh.\nC\u00f3 t\u1ea5t c\u1ea3 c\u00e1c c\u00e1ch &#8220;thi\u1ebft b\u1ecb ch\u1ee7 \u0111\u1ed9ng&#8221; trong kh\u00f4ng gian b\u1ea3o m\u1eadt c\u00f3 th\u1ec3 gi\u00fap ng\u01b0\u1eddi ti\u00eau d\u00f9ng gi\u1ea3m ph\u00ed b\u1ea3o hi\u1ec3m, <a href=\"https:\/\/www.inman.com\/2020\/11\/20\/how-smart-home-tech-can-offer-discounts-to-home-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Andrew Biscay<\/a>, ch\u1ee7 t\u1ecbch v\u00e0 nh\u00e0 m\u00f4i gi\u1edbi ch\u00ednh t\u1ea1i South Lake Agency gi\u1ea3i th\u00edch.\nH\u1ec7 th\u1ed1ng th\u00f4ng minh c\u1ee7a b\u1ea1n c\u00e0ng to\u00e0n di\u1ec7n th\u00ec c\u00e0ng t\u1ed1t.  <\/p>\n\n<p>&#8220;N\u1ebfu b\u1ea1n c\u00f3 m\u1ed9t b\u00e1o \u0111\u1ed9ng \u0111\u01b0\u1ee3c gi\u00e1m s\u00e1t t\u1eadp trung b\u1edfi s\u1edf c\u1ea3nh s\u00e1t, m\u1ed9t b\u00e1o \u0111\u1ed9ng c\u00f3 th\u1ec3 ph\u00e1t hi\u1ec7n tr\u1ed9m, h\u1ecfa ho\u1ea1n v\u00e0 m\u1ecdi th\u1ee9, \u0111\u00f3 l\u00e0 nh\u1eefng g\u00f3i s\u1ebd gi\u00fap b\u1ea1n \u0111\u01b0\u1ee3c gi\u1ea3m gi\u00e1 l\u1edbn nh\u1ea5t cho b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0&#8221;, \u00f4ng n\u00f3i.\nNh\u01b0ng ngay c\u1ea3 c\u00e1c thi\u1ebft b\u1ecb c\u1ea5p nh\u1eadp c\u1ea3nh nh\u1ecf h\u01a1n c\u00f3 th\u1ec3 ph\u00e1t hi\u1ec7n chuy\u1ec3n \u0111\u1ed9ng v\u00e0 b\u1eadt \u0111\u00e8n c\u0169ng c\u00f3 th\u1ec3 ho\u1ea1t \u0111\u1ed9ng nh\u01b0 m\u1ed9t bi\u1ec7n ph\u00e1p ng\u0103n ch\u1eb7n \u0111\u1ed9t nh\u1eadp theo c\u00e1ch l\u00e0m gi\u1ea3m ph\u00ed b\u1ea3o hi\u1ec3m. <\/p>\n\n<h2 class=\"wp-block-heading\">Thi\u1ebft b\u1ecb th\u00f4ng minh s\u1ebd ti\u1ebft ki\u1ec7m ti\u1ec1n cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng?<\/h2>\n\n<p>C\u00e1c thi\u1ebft b\u1ecb th\u00f4ng minh c\u00f3 kh\u1ea3 n\u0103ng ti\u1ebft ki\u1ec7m ti\u1ec1n c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng.\nC\u00f3 nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 gi\u1ea3m gi\u00e1 cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng s\u1eed d\u1ee5ng m\u1ed9t ho\u1eb7c nhi\u1ec1u thi\u1ebft b\u1ecb th\u00f4ng minh trong nh\u00e0 c\u1ee7a h\u1ecd.\nNh\u01b0ng gi\u1ea3m ph\u00ed b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t \u0111i\u1ec1u nh\u1ea5t \u0111\u1ecbnh.\nGi\u1ea3m gi\u00e1 ti\u00eau d\u00f9ng t\u1eeb c\u00e1c thi\u1ebft b\u1ecb nh\u00e0 th\u00f4ng minh c\u00f3 th\u1ec3 c\u00f3 nhi\u1ec1u h\u00ecnh th\u1ee9c, <a href=\"https:\/\/www.thesimpledollar.com\/insurance\/home\/smart-home-discounts\/\" target=\"_blank\" rel=\"noreferrer noopener\">Drew Page<\/a> vi\u1ebft t\u1ea1i The Simple Dollar.\nNgo\u00e0i ph\u00ed b\u1ea3o hi\u1ec3m gi\u1ea3m, ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c gi\u1ea3m gi\u00e1 cho c\u00e1c s\u1ea3n ph\u1ea9m th\u00f4ng minh v\u00e0 l\u1eafp \u0111\u1eb7t mi\u1ec5n ph\u00ed ho\u1eb7c gi\u1ea3m gi\u00e1.    <\/p>\n\n<p>Lo\u1ea1i ti\u1ebft ki\u1ec7m b\u1ea1n \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u0169ng c\u00f3 th\u1ec3 ph\u1ee5 thu\u1ed9c v\u00e0o thi\u1ebft b\u1ecb. <a href=\"https:\/\/www.techradar.com\/news\/creating-a-smart-home-could-get-you-cheaper-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Krystian Zajac<\/a>, \u0111\u1ed3ng s\u00e1ng l\u1eadp v\u00e0 Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u1ea1i nh\u00e0 cung c\u1ea5p b\u1ea3o hi\u1ec3m th\u00f4ng minh Hiro c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i V\u01b0\u01a1ng qu\u1ed1c Anh, cho bi\u1ebft c\u00f4ng ty c\u1ee7a \u00f4ng gi\u1ea3m gi\u00e1 l\u1edbn h\u01a1n cho c\u00e1c s\u1ea3n ph\u1ea9m h\u1ecd \u0111\u00e3 th\u1eed nghi\u1ec7m v\u00e0 bi\u1ebft ch\u1eafc ch\u1eafn c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ph\u00e1t hi\u1ec7n b\u1edfi \u1ee9ng d\u1ee5ng c\u1ee7a h\u1ecd.\nM\u1ed9t s\u1ed1 thi\u1ebft b\u1ecb, ch\u1eb3ng h\u1ea1n nh\u01b0 thi\u1ebft b\u1ecb ch\u1ea1y b\u1eb1ng pin, v\u1eabn c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c gi\u1ea3m gi\u00e1 nh\u01b0ng n\u00f3 s\u1ebd kh\u00f4ng l\u1edbn. <\/p>\n\n<p>Tuy nhi\u00ean, kh\u00f4ng c\u00f3 g\u00ec \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c l\u1ee3i t\u1ee9c \u0111\u1ea7u t\u01b0 c\u1ee7a m\u00ecnh, <a href=\"https:\/\/www.valuepenguin.com\/2019\/03\/smart-home-insurance-worth-it\" target=\"_blank\" rel=\"noreferrer noopener\">c\u1ea3nh b\u00e1o Mark Fitzpatrick<\/a>, nh\u00e0 ph\u00e2n t\u00edch nghi\u00ean c\u1ee9u cao c\u1ea5p t\u1ea1i ValuePenguin.\n&#8220;Do nhi\u1ec1u g\u00f3i thi\u1ebft b\u1ecb th\u00f4ng minh n\u00e0y c\u00f3 gi\u00e1 v\u00e0i tr\u0103m \u0111\u00f4 la, ch\u00fang hi\u1ebfm khi l\u00e0 m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 s\u1ebd t\u1ef1 tr\u1ea3 th\u00f4ng qua ti\u1ebft ki\u1ec7m ph\u00ed b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n&#8221;, \u00f4ng vi\u1ebft. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/digital-wall-thermostat-1024x684.jpg\" alt=\"\" class=\"wp-image-9994\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/digital-wall-thermostat-1024x684.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/digital-wall-thermostat-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/digital-wall-thermostat-768x513.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/digital-wall-thermostat.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">C\u00f3 b\u1ea5t k\u1ef3 r\u1ee7i ro n\u00e0o kh\u00f4ng?<\/h2>\n\n<p>Kh\u00f4ng ph\u1ea3i ai c\u0169ng quan t\u00e2m \u0111\u1ebfn \u00fd t\u01b0\u1edfng k\u1ebft h\u1ee3p c\u00e1c thi\u1ebft b\u1ecb th\u00f4ng minh v\u00e0o nh\u00e0 c\u1ee7a h\u1ecd, ch\u1ee9 \u0111\u1eebng n\u00f3i \u0111\u1ebfn vi\u1ec7c cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 quy\u1ec1n truy c\u1eadp v\u00e0o d\u1eef li\u1ec7u.<\/p>\n\n<p>Nh\u1eefng r\u1ee7i ro li\u00ean quan \u0111\u1ebfn c\u00e1c thi\u1ebft b\u1ecb th\u00f4ng minh \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 r\u1ed9ng r\u00e3i.\nTrong s\u1ed1 \u0111\u00f3, <a href=\"https:\/\/www.hubinternational.com\/blog\/2016\/10\/smart-homes-create-new-risks\/\" target=\"_blank\" rel=\"noreferrer noopener\">theo Todd Macumber<\/a>, ch\u1ee7 t\u1ecbch th\u1ef1c h\u00e0nh chuy\u00ean m\u00f4n t\u1ea1i HUB International, l\u00e0 m\u1ed1i \u0111e d\u1ecda \u0111\u1ed1i v\u1edbi quy\u1ec1n ri\u00eang t\u01b0, an ninh v\u00e0 th\u1eadm ch\u00ed c\u1ea3 t\u00ednh to\u00e0n v\u1eb9n c\u1ee7a ng\u00f4i nh\u00e0 c\u1ee7a b\u1ea1n.\nM\u1ed9t s\u1ed1 thi\u1ebft b\u1ecb d\u1ec5 b\u1ecb t\u0103ng \u0111i\u1ec7n c\u00f3 th\u1ec3 l\u00e0m h\u1ecfng h\u1ec7 th\u1ed1ng \u0111i\u1ec7n c\u1ee7a t\u00e0i s\u1ea3n c\u1ee7a b\u1ea1n &#8211; \u0111\u00f3 l\u00e0 \u0111i\u1ec1u m\u00e0 b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng chi tr\u1ea3.  <\/p>\n\n<p>Ph\u00ed b\u1ea3o hi\u1ec3m c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o gi\u1ea3m b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng c\u00e1c thi\u1ebft b\u1ecb n\u00e0y.\nTr\u00ean th\u1ef1c t\u1ebf, c\u00f3 m\u1ed9t r\u1ee7i ro l\u00e0 ph\u00ed b\u1ea3o hi\u1ec3m th\u1ef1c s\u1ef1 c\u00f3 th\u1ec3 t\u0103ng l\u00ean do c\u00e1c thi\u1ebft b\u1ecb th\u00f4ng minh, <a href=\"https:\/\/www.technologyreview.com\/2016\/10\/12\/157045\/why-insurance-companies-want-to-subsidize-your-smart-home\/\" target=\"_blank\" rel=\"noreferrer noopener\">Sarah Petit<\/a> c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m American Family cho bi\u1ebft.\nD\u1eef li\u1ec7u t\u01b0\u01a1ng t\u1ef1 th\u00f4ng b\u00e1o cho ch\u1ee7 nh\u00e0 v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1ec1 r\u00f2 r\u1ec9 n\u01b0\u1edbc c\u0169ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 r\u1ee7i ro l\u1edbn h\u01a1n.\nDo \u0111\u00f3, ph\u00ed b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u0103ng l\u00ean.   <\/p>\n\n<p>V\u1eady, gi\u1ea3i ph\u00e1p l\u00e0 g\u00ec?\nTheo <a href=\"https:\/\/www.insurancethoughtleadership.com\/smart-home-devices-the-security-risks\/\" target=\"_blank\" rel=\"noreferrer noopener\">Mirko Zorz<\/a>, t\u1ed5ng bi\u00ean t\u1eadp Helpnet Security, ng\u01b0\u1eddi ti\u00eau d\u00f9ng ch\u1ec9 n\u00ean k\u1ebft h\u1ee3p c\u00e1c thi\u1ebft b\u1ecb th\u00f4ng minh v\u00e0o nh\u00e0 sau khi \u0111\u1ea3m b\u1ea3o thi\u1ebft b\u1ecb s\u1ebd c\u1ea3i thi\u1ec7n ch\u1ea5t l\u01b0\u1ee3ng cu\u1ed9c s\u1ed1ng v\u00e0 h\u1ecd h\u00e0i l\u00f2ng v\u1edbi c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o m\u1eadt v\u00e0 quy\u1ec1n ri\u00eang t\u01b0.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m mu\u1ed1n khuy\u1ebfn kh\u00edch vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c thi\u1ebft b\u1ecb n\u00e0y n\u00ean l\u00e0m cho c\u00e2u tr\u1ea3 l\u1eddi cho c\u1ea3 hai c\u00e2u h\u1ecfi n\u00e0y r\u00f5 r\u00e0ng.  <\/p>\n\n<h2 class=\"wp-block-heading\">C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 c\u1ea7n th\u00eam d\u1eef li\u1ec7u<\/h2>\n\n<p>M\u1eb7c d\u00f9 c\u00e1c thi\u1ebft b\u1ecb nh\u00e0 th\u00f4ng minh r\u00f5 r\u00e0ng \u0111\u00e3 thay \u0111\u1ed5i ng\u00e0nh b\u1ea3o hi\u1ec3m, nh\u01b0ng v\u1eabn c\u00f3 th\u1ec3 m\u1ea5t m\u1ed9t th\u1eddi gian tr\u01b0\u1edbc khi ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng ch\u00fang \u0111\u1ec3 gi\u1ea3m tri\u1ec7t \u0111\u1ec3 ph\u00ed b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd. <a href=\"https:\/\/staceyoniot.com\/the-smart-home-will-change-insurance-but-it-will-take-time\/\" target=\"_blank\" rel=\"noreferrer noopener\">Stacey Higginbotham<\/a>, nh\u00e0 b\u00e1o c\u00f4ng ngh\u1ec7 v\u00e0 ng\u01b0\u1eddi s\u00e1ng l\u1eadp Stacey v\u1ec1 IoT, cho bi\u1ebft c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ea7n nhi\u1ec1u d\u1eef li\u1ec7u h\u01a1n tr\u01b0\u1edbc khi h\u1ecd c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u xem x\u00e9t kh\u1ea3 n\u0103ng gi\u1ea3m y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng ho\u1eb7c cung c\u1ea5p c\u00e1c thi\u1ebft b\u1ecb gi\u1ea3m gi\u00e1.\nC\u1ee5 th\u1ec3, h\u1ecd c\u1ea7n d\u1eef li\u1ec7u v\u1ec1 m\u1ee9c \u0111\u1ed9 c\u00e1c thi\u1ebft b\u1ecb n\u00e0y gi\u1ea3m y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng. <\/p>\n\n<p>N\u1ebfu c\u00e1c thi\u1ebft b\u1ecb ch\u1ee9ng minh hi\u1ec7u qu\u1ea3, m\u1ed9t k\u1ef7 nguy\u00ean m\u1edbi c\u1ee7a b\u1ea3o hi\u1ec3m P &amp;C \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a c\u00f3 th\u1ec3 \u0111\u1ebfn v\u1edbi ch\u00fang ta.<\/p>\n\n<p><em>\u1ea2nh: <a href=\"https:\/\/unsplash.com\/@benceboros\" target=\"_blank\" rel=\"noreferrer noopener\">Bence Boros<\/a>, <a href=\"https:\/\/unsplash.com\/@sebastian_s\" target=\"_blank\" rel=\"noreferrer noopener\">Sebastian Scholz<\/a>, <a href=\"https:\/\/unsplash.com\/@danlefeb\" target=\"_blank\" rel=\"noreferrer noopener\">Dan LeFebvre<\/a><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>C\u00e1c thi\u1ebft b\u1ecb nh\u00e0 th\u00f4ng minh \u0111\u00e3 ph\u1ed5 bi\u1ebfn trong c\u00e1c ng\u00f4i nh\u00e0 tr\u00ean to\u00e0n qu\u1ed1c, nh\u01b0ng ng\u00e0nh b\u1ea3o hi\u1ec3m v\u1eabn s\u1ebd th\u1ea5y s\u1ef1 gia t\u0103ng v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng. Theo nghi\u00ean c\u1ee9u c\u1ee7a Berg Insight, m\u1ed9t c\u00f4ng ty ph\u00e2n t\u00edch IoT, M\u1ef9 l\u00e0 th\u1ecb tr\u01b0\u1eddng nh\u00e0 th\u00f4ng minh h\u00e0ng \u0111\u1ea7u tr\u00ean th\u1ebf gi\u1edbi, t\u1ef1 h\u00e0o [&hellip;]<\/p>\n","protected":false},"featured_media":10023,"template":"","insight-category":[],"class_list":["post-19285","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/19285","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media\/10023"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=19285"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=19285"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}