{"id":19166,"date":"2024-09-20T08:46:49","date_gmt":"2024-09-20T13:46:49","guid":{"rendered":"https:\/\/bolttech.io\/insight\/%e6%99%ba%e8%83%bd%e5%ae%b6%e5%b1%85%e8%ae%be%e5%a4%87%e5%b0%86%e5%a6%82%e4%bd%95%e5%bd%b1%e5%93%8d%e6%82%a8%e7%9a%84%e4%bf%9d%e8%b4%b9\/"},"modified":"2024-09-20T08:46:53","modified_gmt":"2024-09-20T13:46:53","slug":"%e6%99%ba%e8%83%bd%e5%ae%b6%e5%b1%85%e8%ae%be%e5%a4%87%e5%b0%86%e5%a6%82%e4%bd%95%e5%bd%b1%e5%93%8d%e6%82%a8%e7%9a%84%e4%bf%9d%e8%b4%b9","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hans\/insights\/%e6%99%ba%e8%83%bd%e5%ae%b6%e5%b1%85%e8%ae%be%e5%a4%87%e5%b0%86%e5%a6%82%e4%bd%95%e5%bd%b1%e5%93%8d%e6%82%a8%e7%9a%84%e4%bf%9d%e8%b4%b9\/","title":{"rendered":"\u667a\u80fd\u5bb6\u5c45\u8bbe\u5907\u5c06\u5982\u4f55\u5f71\u54cd\u60a8\u7684\u4fdd\u8d39"},"content":{"rendered":"\n<p>\u667a\u80fd\u5bb6\u5c45\u8bbe\u5907\u5728\u5168\u56fd\u5404\u5730\u7684\u5bb6\u5ead\u4e2d\u5df2\u7ecf\u5f88\u666e\u904d\uff0c\u4f46\u4fdd\u9669\u4e1a\u4ecd\u5e94\u9884\u8ba1\u4f1a\u51fa\u73b0\u6570\u91cf\u6fc0\u589e\u3002<\/p>\n\n<p>\u6839\u636e\u7269\u8054\u7f51\u5206\u6790\u516c\u53f8 <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> \u7684\u7814\u7a76\uff0c\u7f8e\u56fd\u662f\u4e16\u754c\u9886\u5148\u7684\u667a\u80fd\u5bb6\u5c45\u5e02\u573a\uff0c\u6e17\u900f\u7387\u4e3a 35.6%\uff0c\u667a\u80fd\u5bb6\u5c45\u603b\u6570\u4e3a 5120 \u4e07\u53f0\u3002<\/p>\n\n<p>\u8fd9\u4e9b\u8bbe\u5907\u663e\u7136\u53d7\u5230\u5e0c\u671b\u8282\u7701\u65f6\u95f4\u3001\u81ea\u52a8\u5316\u65e5\u5e38\u6d3b\u52a8\u548c\u66f4\u597d\u5730\u4fdd\u62a4\u5176\u8d22\u4ea7\u7684\u6d88\u8d39\u8005\u7684\u6b22\u8fce\u3002\n\u4f46\u73b0\u5728\u8fd9\u4e9b\u8bbe\u5907\u8fd8\u6709\u53e6\u4e00\u4e2a\u76ee\u7684\uff1a\u964d\u4f4e\u4fdd\u9669\u8d39\u3002 <\/p>\n\n<p>\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u4f7f\u7528\u8fd9\u4e9b\u8bbe\u5907\u751f\u6210\u7684\u4e2a\u6027\u5316\u6570\u636e\u6765\u66f4\u597d\u5730\u5b9a\u5236\u4fdd\u9669\u62a5\u4ef7\uff0c\u5e76\u5956\u52b1\u4f7f\u7528\u5b83\u4eec\u4ee5\u66f4\u597d\u5730\u4fdd\u62a4\u548c\u7167\u987e\u5176\u8d22\u4ea7\u7684\u623f\u4e3b\u548c\u79df\u623f\u8005\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u667a\u80fd\u8bbe\u5907\u5982\u4f55\u964d\u4f4e\u4fdd\u8d39\uff1f<\/h2>\n\n<p>\u667a\u80fd\u5bb6\u5c45\u8bbe\u5907\u7701\u94b1\u6f5c\u529b\u80cc\u540e\u7684\u79d8\u5bc6\u662f\u6570\u636e\u3002\n\u81ea\u52a8\u5316\u548c\u7f51\u7edc\u7cfb\u7edf\u63d0\u4f9b\u5546 <a href=\"https:\/\/www.control4.com\/blog\/440\/can-smart-home-technology-reduce-home-insurance-rates\/\" target=\"_blank\" rel=\"noreferrer noopener\">Control4 \u7684 Nathan Barber<\/a> \u5199\u9053\uff0c\u667a\u80fd\u8bbe\u5907\u53ef\u4ee5\u4ee5\u6570\u636e\u7684\u5f62\u5f0f\u5411\u5ba2\u6237\u8bc1\u660e\u4ed6\u4eec\u6b63\u5728\u59a5\u5584\u7167\u987e\u81ea\u5df1\u7684\u5bb6\u3002\n\u5f53\u6d88\u8d39\u8005\u80fd\u591f\u8bc1\u660e\u4ed6\u4eec\u6b63\u5728\u79ef\u6781\u4e3b\u52a8\u5730\u4fdd\u62a4\u81ea\u5df1\u7684\u623f\u5c4b\u65f6\uff0c\u53ef\u80fd\u4f1a\u964d\u4f4e\u4fdd\u8d39\u548c\u5176\u4ed6\u6298\u6263\u3002  <\/p>\n\n<p>\u4ece\u4fdd\u9669\u516c\u53f8\u7684\u89d2\u5ea6\u6765\u770b\uff0c\u8fd9\u4e9b\u8bbe\u5907\u8fd8\u53ef\u4ee5\u5e2e\u52a9\u964d\u4f4e\u98ce\u9669\u3002\n\u53d7\u5230\u6301\u7eed\u76d1\u63a7\u7684\u623f\u5c4b\u98ce\u9669\u8f83\u5c0f\uff0cMIG Insurance \u7684 <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> \u5199\u9053\u3002\n\u201c\u901a\u8fc7\u7f16\u7a0b\u4e3a\u963b\u6b62\u53ef\u7591\u6d3b\u52a8\u7684\u53ef\u89c6\u95e8\u94c3\u548c\u7167\u660e\u6765\u51cf\u5c11\u95ef\u5165\u7684\u673a\u4f1a\uff0c\u4f7f\u667a\u80fd\u5bb6\u5c45\u7f51\u7edc\u653b\u51fb\u7684\u635f\u5931\u98ce\u9669\u8f83\u4f4e\uff0c\u56e0\u6b64\u5e94\u8be5\u964d\u4f4e\u4fdd\u9669\u8d39\uff0c\u201d\u5979\u89e3\u91ca\u8bf4\u3002  <\/p>\n\n<p>\u667a\u80fd\u8bbe\u5907\u8fd8\u53ef\u4ee5\u9632\u6b62\u635f\u574f\u7684\u53d1\u751f\uff0c\u4ece\u800c\u4e3a\u4fdd\u9669\u516c\u53f8\u8282\u7701\u8d54\u4ed8\uff0cHippo Insurance \u7684 <a href=\"https:\/\/www.hippo.com\/blog\/insurance-providers-want-smart-home\" target=\"_blank\" rel=\"noreferrer noopener\">Elizabeth Smith<\/a> \u5199\u9053\u3002\u4f8b\u5982\uff0cHippo \u4e3a\u65b0\u5ba2\u6237\u63d0\u4f9b\u514d\u8d39\u7684\u5c16\u7aef\u4f20\u611f\u5668\uff0c\u7528\u4e8e\u68c0\u6d4b\u6f0f\u6c34\u3002\u5176\u4ed6\u4f9b\u5e94\u5546\u8d60\u9001\u70df\u96fe\u63a2\u6d4b\u5668\u548c\u4e0d\u540c\u7684\u7cfb\u7edf\u3002\u7b80\u5355\u7684\u667a\u80fd\u8bbe\u5907\u53ef\u4ee5\u8b66\u544a\u5373\u5c06\u5230\u6765\u7684\u5371\u9669\u6216\u7834\u574f\uff0c\u63d0\u4f9b\u66f4\u5168\u9762\u7684\u8986\u76d6\u8303\u56f4\u548c\u66f4\u5927\u7684\u5b89\u5fc3\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u66f4\u591a\u7684\u6570\u636e\u610f\u5473\u7740\u4fdd\u9669\u516c\u53f8\u66f4\u597d\u7684\u5de5\u4f5c\u65b9\u5f0f<\/h2>\n\n<p>\u9664\u4e86\u964d\u4f4e\u98ce\u9669\u5916\uff0c\u667a\u80fd\u8bbe\u5907\u8fd8\u4f7f\u4fdd\u9669\u516c\u53f8\u80fd\u591f\u4f18\u5316\u5176\u8fd0\u8425\u5e76\u6539\u5584\u5176\u5de5\u4f5c\u6d41\u7a0b\u3002<\/p>\n\n<p>\u9996\u5148\uff0c\u667a\u80fd\u5bb6\u5c45\u8bbe\u5907\u5e2e\u52a9\u4fdd\u9669\u516c\u53f8\u51cf\u5c11\u98ce\u9669\u5e76\u6539\u8fdb\u627f\u4fdd\u6d41\u7a0b\u3002\n\u4e34\u65f6\u4f4f\u623f\u63d0\u4f9b\u5546 <a href=\"https:\/\/www.tacares.com\/ta-blog\/how-smart-home-technology-influencing-home-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Temporary Accommodation<\/a> \u7684\u56e2\u961f\u8868\u793a\uff0c\u8fd9\u4e9b\u8bbe\u5907\u63d0\u4f9b\u7684\u6570\u636e\u4f7f\u627f\u4fdd\u4eba\u80fd\u591f\u521b\u5efa\u66f4\u597d\u7684\u7b97\u6cd5\uff0c\u4ece\u800c\u4ea7\u751f\u66f4\u51c6\u786e\u7684\u98ce\u9669\u9884\u6d4b\u3002 <\/p>\n\n<p>\u5176\u6b21\uff0c\u4ed6\u4eec\u6539\u8fdb\u4e86\u7d22\u8d54\u6d41\u7a0b\u3002\n\u636e\u80fd\u6e90\u516c\u53f8 <a href=\"https:\/\/blog.constellation.com\/2021\/01\/12\/smart-home-insurance-discounts\/\" target=\"_blank\" rel=\"noreferrer noopener\">Constellation<\/a> \u79f0\uff0c\u8d54\u4ed8\u5e76\u4e0d\u662f\u4fdd\u9669\u516c\u53f8\u5728\u7d22\u8d54\u8fc7\u7a0b\u4e2d\u4e8f\u635f\u7684\u552f\u4e00\u65b9\u5f0f\u3002 <\/p>\n\n<p>\u201c\u9664\u4e86\u5728\u4f60\u63d0\u51fa\u7d22\u8d54\u65f6\u5411\u4f60\u652f\u4ed8\u635f\u5931\u7684\u94b1\u5916\uff0c\u4fdd\u9669\u516c\u53f8\u8fd8\u5fc5\u987b\u652f\u4ed8\u7ba1\u7406\u4f60\u7684\u6848\u4ef6\u7684\u5f00\u9500\uff0c\u201d\u4ed6\u4eec\u5199\u9053\u3002\n\u201c\u4fdd\u9669\u516c\u53f8\u5df2\u7ecf\u8ba1\u7b97\u4e86\u6570\u5b57\uff0c\u5e76\u4e14\u77e5\u9053\u667a\u80fd\u5bb6\u5c45\u7684\u6240\u6709\u8005\u53ef\u80fd\u4f1a\u63d0\u51fa\u66f4\u5c11\u7684\u7d22\u8d54\uff0c\u56e0\u4e3a\u667a\u80fd\u5bb6\u5c45\u66f4\u5b89\u5168\u3001\u4fdd\u62a4\u66f4\u597d\u3001\u66f4\u53ef\u9760\u3002\u7531\u4e8e\u7d22\u8d54\u7387\u8f83\u4f4e\uff0c\u4ed6\u4eec\u53ef\u4ee5\u8282\u7701\u53cc\u500d\u7684\u8d39\u7528\uff0c\u5e76\u4e14\u53ef\u4ee5\u4ee5\u8f83\u4f4e\u7684\u4fdd\u8d39\u5f62\u5f0f\u5c06\u90e8\u5206\u8282\u7701\u7684\u8d39\u7528\u8f6c\u5ac1\u7ed9\u60a8\u3002 <\/p>\n\n<p>\u6700\u540e\uff0c\u57fa\u4e8e\u4e91\u7684\u5b89\u5168\u548c\u533b\u7597\u4fdd\u5065\u89e3\u51b3\u65b9\u6848\u63d0\u4f9b\u5546 <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> \u7684\u56e2\u961f\u5199\u9053\uff0c\u6765\u81ea\u667a\u80fd\u8bbe\u5907\u7684\u6570\u636e\u4f7f\u4fdd\u9669\u516c\u53f8\u80fd\u591f\u5c06\u5176\u6a21\u578b\u4ece\u8865\u507f\u635f\u5931\u8f6c\u53d8\u4e3a\u4e3b\u52a8\u98ce\u9669\u7ba1\u7406\u3002\n\u201c\u5728\u6574\u4e2a\u4e92\u8054\u5bb6\u5ead\u4e2d\u90e8\u7f72\u4f20\u611f\u5668\u548c\u8bbe\u5907\u4f7f\u4fdd\u9669\u516c\u53f8\u80fd\u591f\u6210\u4e3a\u4e3b\u52a8\u7684\u98ce\u9669\u7ba1\u7406\u8005\u3002\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u4e3b\u52a8\u964d\u4f4e\u98ce\u9669\uff0c\u800c\u4e0d\u662f\u7b80\u5355\u5730\u5bf9\u4fdd\u9669\u7d22\u8d54\u505a\u51fa\u53cd\u5e94\u3002 <\/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\">\u6d88\u8d39\u8005\u53ef\u4ee5\u4f7f\u7528\u7684\u667a\u80fd\u5bb6\u5c45\u8bbe\u5907\u7c7b\u578b<\/h2>\n\n<p>\u6d88\u8d39\u8005\u53ef\u4ee5\u7528\u6765\u6f5c\u5728\u964d\u4f4e\u4fdd\u8d39\u7684\u667a\u80fd\u5bb6\u5c45\u8bbe\u5907\u5e76\u4e0d\u7f3a\u4e4f\u3002\niDrop News \u7684 <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> \u5199\u9053\uff0c\u667a\u80fd\u6052\u6e29\u5668\u4f3c\u4e4e\u4e0d\u80fd\u964d\u4f4e\u4fdd\u8d39\uff0c\u4f46\u6539\u5584\u80fd\u6e90\u7ba1\u7406\u53ef\u4ee5\u4f7f\u623f\u5c4b\u66f4\u5065\u5eb7\uff0c\u5e76\u4e14\u8bb8\u591a\u4eba\u4f7f\u7528\u5b89\u5168\u7cfb\u7edf\u6216\u5728\u201c\u6e29\u5ea6\u5347\u9ad8\u8868\u660e\u6f5c\u5728\u706b\u707e\u201d\u65f6\u5173\u95ed\u98ce\u6247\u3002\n\u53e6\u4e00\u65b9\u9762\uff0c\u50cf\u6f0f\u6c34\u68c0\u6d4b\u5668\u8fd9\u6837\u7684\u4e1c\u897f\u6709\u4e00\u4e2a\u66f4\u660e\u663e\u7684\u597d\u5904\u3002  <\/p>\n\n<p>\u201c\u68c0\u6f0f\u4eea\u8bbe\u8ba1\u7528\u4e8e\u5b89\u88c5\u5728\u5bb9\u6613\u53d1\u751f\u6d2a\u6c34\u7684\u5730\u65b9\uff0c\u4f8b\u5982\u6d74\u5ba4\u3001\u5730\u4e0b\u5ba4\u548c\u7c7b\u4f3c\u4f4d\u7f6e\uff0c\u201d\u4ed6\u89e3\u91ca\u8bf4\u3002\n\u201c\u5982\u679c\u4ed6\u4eec\u68c0\u6d4b\u5230\u6c34\u5206\uff0c\u4ed6\u4eec\u4f1a\u81ea\u52a8\u5411\u60a8\u7684\u624b\u673a\u53d1\u9001\u8b66\u62a5\uff0c\u4ee5\u4fbf\u60a8\u5728\u770b\u8d77\u6765\u6709\u6cc4\u6f0f\u6216\u6d2a\u6c34\u65f6\u8fdb\u884c\u8c03\u67e5\u5e76\u91c7\u53d6\u884c\u52a8\u3002\u201d\n\u4ece\u4fdd\u9669\u516c\u53f8\u7684\u89d2\u5ea6\u6765\u770b\uff0c\u5982\u679c\u63a2\u6d4b\u5668\u53ef\u4ee5\u5173\u95ed\u6c34\u6216\u542f\u52a8\u6c61\u6c34\u6cf5\uff0c\u90a3\u5c31\u66f4\u597d\u4e86\u3002  <\/p>\n\n<p>\u8fd9\u5e76\u4e0d\u662f\u552f\u4e00\u53ef\u4ee5\u4e3a\u60a8\u7701\u94b1\u7684\u68c0\u6d4b\u8bbe\u5907\u7c7b\u578b\u3002\n\u667a\u80fd\u70df\u96fe\u63a2\u6d4b\u5668\u53ef\u4ee5\u663e\u7740\u964d\u4f4e\u53d1\u751f\u706b\u707e\u7684\u98ce\u9669\uff0cFox Business \u7684\u4e2a\u4eba\u7406\u8d22\u4f5c\u5bb6 <a href=\"https:\/\/www.foxbusiness.com\/money\/home-insurance-reduce-premiums-smart-devices\" target=\"_blank\" rel=\"noreferrer noopener\">Tara Mastroeni<\/a> \u8bf4\u3002\n\u201c\u867d\u7136\u6bcf\u4e2a\u70df\u96fe\u63a2\u6d4b\u5668\u90fd\u4e0d\u540c\uff0c\u4f46\u5927\u591a\u6570\u667a\u80fd\u578b\u53f7\u90fd\u4f1a\u5411\u60a8\u53d1\u9001\u81ea\u52a8\u7ef4\u62a4\u8b66\u62a5\uff0c\u5728\u51fa\u73b0\u8bef\u62a5\u65f6\u8fdc\u7a0b\u5173\u95ed\uff0c\u5e76\u5728\u51fa\u73b0\u95ee\u9898\u65f6\u901a\u77e5\u60a8\u5f53\u5730\u7684\u6d88\u9632\u516c\u53f8\u3002\u201d  <\/p>\n\n<p>\u7136\u540e\u662f\u667a\u80fd\u5b89\u5168\u8bbe\u5907\u3002\n\u5b89\u5168\u9886\u57df\u6709\u5404\u79cd\u5404\u6837\u7684\u201c\u4e3b\u52a8\u8bbe\u5907\u201d\u53ef\u4ee5\u5e2e\u52a9\u6d88\u8d39\u8005\u964d\u4f4e\u4fdd\u8d39\uff0cSouth Lake Agency \u603b\u88c1\u517c\u9996\u5e2d\u7ecf\u7eaa\u4eba <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> \u89e3\u91ca\u8bf4\u3002\n\u60a8\u7684\u667a\u80fd\u7cfb\u7edf\u8d8a\u5168\u9762\u8d8a\u597d\u3002  <\/p>\n\n<p>\u201c\u5982\u679c\u4f60\u6709\u4e00\u4e2a\u7531\u8b66\u5bdf\u5c40\u96c6\u4e2d\u76d1\u63a7\u7684\u8b66\u62a5\u5668\uff0c\u4e00\u4e2a\u53ef\u4ee5\u68c0\u6d4b\u5165\u5ba4\u76d7\u7a83\u3001\u706b\u707e\u548c\u4e00\u5207\u7684\u8b66\u62a5\u5668\uff0c\u90a3\u4e48\u8fd9\u4e9b\u5957\u9910\u5c06\u4e3a\u60a8\u7684\u623f\u4e3b\u4fdd\u9669\u63d0\u4f9b\u6700\u5927\u7684\u6298\u6263\uff0c\u201d\u4ed6\u8bf4\u3002\n\u4f46\u662f\uff0c\u5373\u4f7f\u662f\u53ef\u4ee5\u68c0\u6d4b\u8fd0\u52a8\u5e76\u6253\u5f00\u706f\u7684\u5c0f\u578b\u5165\u95e8\u7ea7\u8bbe\u5907\uff0c\u4e5f\u53ef\u4ee5\u4ee5\u964d\u4f4e\u4fdd\u8d39\u7684\u65b9\u5f0f\u8d77\u5230\u95ef\u5165\u5a01\u6151\u7684\u4f5c\u7528\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">\u667a\u80fd\u8bbe\u5907\u4f1a\u4e3a\u6d88\u8d39\u8005\u7701\u94b1\u5417\uff1f<\/h2>\n\n<p>\u667a\u80fd\u8bbe\u5907\u53ef\u80fd\u4f1a\u4e3a\u6d88\u8d39\u8005\u8282\u7701\u8d44\u91d1\u3002\n\u6709\u591a\u5bb6\u4fdd\u9669\u516c\u53f8\u5df2\u7ecf\u4e3a\u5728\u5bb6\u4e2d\u4f7f\u7528\u4e00\u4e2a\u6216\u591a\u4e2a\u667a\u80fd\u8bbe\u5907\u7684\u6d88\u8d39\u8005\u63d0\u4f9b\u6298\u6263\u3002\n\u4f46\u4fdd\u8d39\u964d\u4f4e\u5e76\u4e0d\u662f\u5fc5\u7136\u7684\u3002\n\u667a\u80fd\u5bb6\u5c45\u8bbe\u5907\u7684\u6d88\u8d39\u8005\u6298\u6263\u53ef\u4ee5\u91c7\u53d6\u591a\u79cd\u5f62\u5f0f\uff0cThe Simple Dollar \u7684 <a href=\"https:\/\/www.thesimpledollar.com\/insurance\/home\/smart-home-discounts\/\" target=\"_blank\" rel=\"noreferrer noopener\">Drew Page<\/a> \u5199\u9053\u3002\n\u9664\u4e86\u964d\u4f4e\u4fdd\u8d39\u5916\uff0c\u6d88\u8d39\u8005\u8fd8\u53ef\u4ee5\u83b7\u5f97\u667a\u80fd\u4ea7\u54c1\u672c\u8eab\u7684\u6298\u6263\u4ee5\u53ca\u514d\u8d39\u6216\u6253\u6298\u7684\u5b89\u88c5\u3002    <\/p>\n\n<p>\u60a8\u5b9e\u73b0\u7684\u8282\u7701\u7c7b\u578b\u4e5f\u53ef\u80fd\u53d6\u51b3\u4e8e\u8bbe\u5907\u3002\u603b\u90e8\u4f4d\u4e8e\u82f1\u56fd\u7684\u667a\u80fd\u4fdd\u9669\u63d0\u4f9b\u5546 Hiro \u7684\u8054\u5408\u521b\u59cb\u4eba\u517c\u9996\u5e2d\u6267\u884c\u5b98 <a href=\"https:\/\/www.techradar.com\/news\/creating-a-smart-home-could-get-you-cheaper-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Krystian Zajac<\/a> \u8868\u793a\uff0c\u4ed6\u7684\u516c\u53f8\u4e3a\u4ed6\u4eec\u7ecf\u8fc7\u6d4b\u8bd5\u5e76\u786e\u4fe1\u53ef\u4ee5\u88ab\u4ed6\u4eec\u7684\u5e94\u7528\u7a0b\u5e8f\u68c0\u6d4b\u5230\u7684\u4ea7\u54c1\u63d0\u4f9b\u66f4\u5927\u7684\u6298\u6263\u3002\n\u67d0\u4e9b\u8bbe\u5907\uff0c\u4f8b\u5982\u7535\u6c60\u4f9b\u7535\u7684\u8bbe\u5907\uff0c\u53ef\u80fd\u4ecd\u53ef\u4eab\u53d7\u6298\u6263\uff0c\u4f46\u4e0d\u4f1a\u90a3\u4e48\u5927\u3002 <\/p>\n\n<p>\u7136\u800c\uff0c\u4e0d\u80fd\u4fdd\u8bc1\u60a8\u4f1a\u83b7\u5f97\u6295\u8d44\u56de\u62a5\uff0c\u4f46\u662f\uff0cValuePenguin \u7684\u9ad8\u7ea7\u7814\u7a76\u5206\u6790\u5e08 <a href=\"https:\/\/www.valuepenguin.com\/2019\/03\/smart-home-insurance-worth-it\" target=\"_blank\" rel=\"noreferrer noopener\">Mark Fitzpatrick<\/a> \u8b66\u544a\u8bf4\u3002\n\u201c\u9274\u4e8e\u8fd9\u4e9b\u667a\u80fd\u8bbe\u5907\u5957\u9910\u4e2d\u7684\u8bb8\u591a\u4ef7\u683c\u4e3a\u6570\u767e\u7f8e\u5143\uff0c\u5b83\u4eec\u5f88\u5c11\u662f\u4e00\u9879\u53ef\u4ee5\u901a\u8fc7\u8282\u7701\u4fdd\u8d39\u6765\u6536\u56de\u6210\u672c\u7684\u6295\u8d44\uff0c\u201d\u4ed6\u5199\u9053\u3002 <\/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\">\u662f\u5426\u6709\u4efb\u4f55\u98ce\u9669\uff1f<\/h2>\n\n<p>\u5e76\u4e0d\u662f\u6bcf\u4e2a\u4eba\u90fd\u70ed\u8877\u4e8e\u5c06\u667a\u80fd\u8bbe\u5907\u6574\u5408\u5230\u4ed6\u4eec\u7684\u5bb6\u4e2d\u7684\u60f3\u6cd5\uff0c\u66f4\u4e0d\u7528\u8bf4\u5141\u8bb8\u4fdd\u9669\u516c\u53f8\u8bbf\u95ee\u6570\u636e\u4e86\u3002<\/p>\n\n<p>\u4e0e\u667a\u80fd\u8bbe\u5907\u76f8\u5173\u7684\u98ce\u9669\u5df2\u5e7f\u4e3a\u4eba\u77e5\u3002\nHUB International \u4e13\u4e1a\u4e1a\u52a1\u603b\u88c1 <a href=\"https:\/\/www.hubinternational.com\/blog\/2016\/10\/smart-homes-create-new-risks\/\" target=\"_blank\" rel=\"noreferrer noopener\">Todd Macumber<\/a> \u8bf4\uff0c\u5176\u4e2d\u4e4b\u4e00\u662f\u5bf9\u60a8\u7684\u9690\u79c1\u3001\u5b89\u5168\u751a\u81f3\u60a8\u5bb6\u5b8c\u6574\u6027\u7684\u5a01\u80c1\u3002\n\u6709\u4e9b\u8bbe\u5907\u5bb9\u6613\u53d7\u5230\u7535\u6d8c\u7684\u5f71\u54cd\uff0c\u8fd9\u53ef\u80fd\u4f1a\u635f\u574f\u60a8\u8d22\u4ea7\u7684\u7535\u6c14\u7cfb\u7edf\u2014\u2014\u8fd9\u662f\u623f\u4e3b\u4fdd\u9669\u5e76\u4e0d\u603b\u662f\u6db5\u76d6\u7684\u3002  <\/p>\n\n<p>\u4f7f\u7528\u8fd9\u4e9b\u8bbe\u5907\u4e5f\u4e0d\u80fd\u4fdd\u8bc1\u4fdd\u8d39\u4f1a\u4e0b\u964d\u3002\n\u4e8b\u5b9e\u4e0a\uff0c\u4fdd\u9669\u516c\u53f8 American Family \u7684 <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> \u8868\u793a\uff0c\u667a\u80fd\u8bbe\u5907\u5b9e\u9645\u4e0a\u5b58\u5728\u4fdd\u8d39\u589e\u52a0\u7684\u98ce\u9669\u3002\n\u901a\u77e5\u623f\u4e3b\u548c\u4fdd\u9669\u516c\u53f8\u6f0f\u6c34\u7684\u76f8\u540c\u6570\u636e\u4e5f\u53ef\u7528\u4e8e\u8bc6\u522b\u5b58\u5728\u66f4\u5927\u98ce\u9669\u7684\u6d88\u8d39\u8005\u3002\n\u56e0\u6b64\uff0c\u4ed6\u4eec\u7684\u4fdd\u8d39\u53ef\u80fd\u4f1a\u589e\u52a0\u3002   <\/p>\n\n<p>\u90a3\u4e48\uff0c\u89e3\u51b3\u65b9\u6848\u662f\u4ec0\u4e48\uff1f\n\u6839\u636e Helpnet Security \u4e3b\u7f16 <a href=\"https:\/\/www.insurancethoughtleadership.com\/smart-home-devices-the-security-risks\/\" target=\"_blank\" rel=\"noreferrer noopener\">Mirko Zorz<\/a> \u7684\u8bf4\u6cd5\uff0c\u6d88\u8d39\u8005\u53ea\u6709\u5728\u786e\u4fdd\u667a\u80fd\u8bbe\u5907\u80fd\u591f\u63d0\u9ad8\u4ed6\u4eec\u7684\u751f\u6d3b\u8d28\u91cf\u5e76\u4e14\u4ed6\u4eec\u5bf9\u5b89\u5168\u548c\u9690\u79c1\u63aa\u65bd\u611f\u5230\u6ee1\u610f\u540e\uff0c\u624d\u5e94\u8be5\u5c06\u667a\u80fd\u8bbe\u5907\u878d\u5165\u4ed6\u4eec\u7684\u5bb6\u4e2d\u3002\n\u5e0c\u671b\u9f13\u52b1\u91c7\u7528\u8fd9\u4e9b\u8bbe\u5907\u7684\u4fdd\u9669\u516c\u53f8\u5e94\u8be5\u660e\u786e\u56de\u7b54\u8fd9\u4e24\u4e2a\u95ee\u9898\u3002  <\/p>\n\n<h2 class=\"wp-block-heading\">\u4fdd\u9669\u516c\u53f8\u53ef\u80fd\u9700\u8981\u66f4\u591a\u6570\u636e<\/h2>\n\n<p>\u867d\u7136\u667a\u80fd\u5bb6\u5c45\u8bbe\u5907\u663e\u7136\u5df2\u7ecf\u6539\u53d8\u4e86\u4fdd\u9669\u4e1a\uff0c\u4f46\u6d88\u8d39\u8005\u53ef\u80fd\u8fd8\u9700\u8981\u4e00\u6bb5\u65f6\u95f4\u624d\u80fd\u4f7f\u7528\u5b83\u4eec\u4ece\u6839\u672c\u4e0a\u964d\u4f4e\u4fdd\u8d39\u3002\u79d1\u6280\u8bb0\u8005\u517c Stacey on IoT \u521b\u59cb\u4eba <a href=\"https:\/\/staceyoniot.com\/the-smart-home-will-change-insurance-but-it-will-take-time\/\" target=\"_blank\" rel=\"noreferrer noopener\">Stacey Higginbotham<\/a> \u8868\u793a\uff0c\u4fdd\u9669\u516c\u53f8\u9700\u8981\u66f4\u591a\u6570\u636e\uff0c\u7136\u540e\u624d\u80fd\u5f00\u59cb\u8003\u8651\u51cf\u5c11\u7d22\u8d54\u6216\u63d0\u4f9b\u6253\u6298\u8bbe\u5907\u7684\u53ef\u884c\u6027\u3002\n\u5177\u4f53\u6765\u8bf4\uff0c\u4ed6\u4eec\u9700\u8981\u6709\u5173\u8fd9\u4e9b\u8bbe\u5907\u5728\u591a\u5927\u7a0b\u5ea6\u4e0a\u51cf\u5c11\u7d22\u8d54\u7684\u6570\u636e\u3002 <\/p>\n\n<p>\u5982\u679c\u8fd9\u4e9b\u8bbe\u5907\u88ab\u8bc1\u660e\u6709\u6548\uff0c\u90a3\u4e48\u4e2a\u6027\u5316 P&amp;C \u4fdd\u9669\u7684\u65b0\u65f6\u4ee3\u53ef\u80fd\u5373\u5c06\u5230\u6765\u3002<\/p>\n\n<p><em>\u56fe\u7247\u63d0\u4f9b\uff1a <a href=\"https:\/\/unsplash.com\/@benceboros\" target=\"_blank\" rel=\"noreferrer noopener\">Bence Boros<\/a>\uff0c <a href=\"https:\/\/unsplash.com\/@sebastian_s\" target=\"_blank\" rel=\"noreferrer noopener\">Sebastian Scholz<\/a>\uff0c <a href=\"https:\/\/unsplash.com\/@danlefeb\" target=\"_blank\" rel=\"noreferrer noopener\">Dan LeFebvre<\/a><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u667a\u80fd\u5bb6\u5c45\u8bbe\u5907\u5728\u5168\u56fd\u5404\u5730\u7684\u5bb6\u5ead\u4e2d\u5df2\u7ecf\u5f88\u666e\u904d\uff0c\u4f46\u4fdd\u9669\u4e1a\u4ecd\u5e94\u9884\u8ba1\u4f1a\u51fa\u73b0\u6570\u91cf\u6fc0\u589e\u3002 \u6839\u636e\u7269\u8054\u7f51\u5206\u6790\u516c\u53f8 Berg In [&hellip;]<\/p>\n","protected":false},"featured_media":10015,"template":"","insight-category":[],"class_list":["post-19166","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight\/19166","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/media\/10015"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/media?parent=19166"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight-category?post=19166"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}