{"id":19164,"date":"2024-09-20T08:46:47","date_gmt":"2024-09-20T13:46:47","guid":{"rendered":"https:\/\/bolttech.io\/insight\/%e6%99%ba%e6%85%a7%e5%ae%b6%e5%b1%85%e8%a8%ad%e5%82%99%e5%b0%87%e5%a6%82%e4%bd%95%e5%bd%b1%e9%9f%bf%e6%82%a8%e7%9a%84%e4%bf%9d%e8%b2%bb\/"},"modified":"2024-09-20T08:46:52","modified_gmt":"2024-09-20T13:46:52","slug":"%e6%99%ba%e6%85%a7%e5%ae%b6%e5%b1%85%e8%a8%ad%e5%82%99%e5%b0%87%e5%a6%82%e4%bd%95%e5%bd%b1%e9%9f%bf%e6%82%a8%e7%9a%84%e4%bf%9d%e8%b2%bb","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hant\/insights\/%e6%99%ba%e6%85%a7%e5%ae%b6%e5%b1%85%e8%a8%ad%e5%82%99%e5%b0%87%e5%a6%82%e4%bd%95%e5%bd%b1%e9%9f%bf%e6%82%a8%e7%9a%84%e4%bf%9d%e8%b2%bb\/","title":{"rendered":"\u667a\u6167\u5bb6\u5c45\u8a2d\u5099\u5c07\u5982\u4f55\u5f71\u97ff\u60a8\u7684\u4fdd\u8cbb"},"content":{"rendered":"\n<p>\u667a\u6167\u5bb6\u5c45\u8a2d\u5099\u5728\u5168\u570b\u5404\u5730\u7684\u5bb6\u5ead\u4e2d\u5df2\u7d93\u5f88\u666e\u904d\uff0c\u4f46\u4fdd\u96aa\u696d\u4ecd\u61c9\u9810\u8a08\u6703\u51fa\u73fe\u6578\u91cf\u6fc0\u589e\u3002<\/p>\n\n<p>\u6839\u64da\u7269\u806f\u7db2\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\u570b\u662f\u4e16\u754c\u9818\u5148\u7684\u667a\u6167\u5bb6\u5c45\u5e02\u5834\uff0c\u6ef2\u900f\u7387\u70ba 35.6%\uff0c\u667a\u6167\u5bb6\u5c45\u7e3d\u6578\u70ba 5120 \u842c\u53f0\u3002<\/p>\n\n<p>\u9019\u4e9b\u8a2d\u5099\u986f\u7136\u53d7\u5230\u5e0c\u671b\u7bc0\u7701\u6642\u9593\u3001\u81ea\u52d5\u5316\u65e5\u5e38\u6d3b\u52d5\u548c\u66f4\u597d\u5730\u4fdd\u8b77\u5176\u8ca1\u7522\u7684\u6d88\u8cbb\u8005\u7684\u6b61\u8fce\u3002\n\u4f46\u73fe\u5728\u9019\u4e9b\u8a2d\u5099\u9084\u6709\u53e6\u4e00\u500b\u76ee\u7684\uff1a\u964d\u4f4e\u4fdd\u96aa\u8cbb\u3002 <\/p>\n\n<p>\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u4f7f\u7528\u9019\u4e9b\u8a2d\u5099\u751f\u6210\u7684\u500b\u4eba\u5316\u6578\u64da\u4f86\u66f4\u597d\u5730\u5b9a\u88fd\u4fdd\u96aa\u5831\u50f9\uff0c\u4e26\u734e\u52f5\u4f7f\u7528\u5b83\u5011\u4ee5\u66f4\u597d\u5730\u4fdd\u8b77\u548c\u7167\u9867\u5176\u8ca1\u7522\u7684\u623f\u4e3b\u548c\u79df\u623f\u8005\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u667a\u80fd\u8a2d\u5099\u5982\u4f55\u964d\u4f4e\u4fdd\u8cbb\uff1f<\/h2>\n\n<p>\u667a\u6167\u5bb6\u5c45\u8a2d\u5099\u7701\u9322\u6f5b\u529b\u80cc\u5f8c\u7684\u79d8\u5bc6\u662f\u6578\u64da\u3002\n\u81ea\u52d5\u5316\u548c\u7db2\u8def\u7cfb\u7d71\u4f9b\u61c9\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> \u5beb\u9053\uff0c\u667a\u6167\u8a2d\u5099\u53ef\u4ee5\u4ee5\u6578\u64da\u7684\u5f62\u5f0f\u5411\u5ba2\u6236\u8b49\u660e\u4ed6\u5011\u6b63\u5728\u59a5\u5584\u7167\u9867\u81ea\u5df1\u7684\u5bb6\u3002\n\u7576\u6d88\u8cbb\u8005\u80fd\u5920\u8b49\u660e\u4ed6\u5011\u6b63\u5728\u7a4d\u6975\u4e3b\u52d5\u5730\u4fdd\u8b77\u81ea\u5df1\u7684\u623f\u5c4b\u6642\uff0c\u53ef\u80fd\u6703\u964d\u4f4e\u4fdd\u8cbb\u548c\u5176\u4ed6\u6298\u6263\u3002  <\/p>\n\n<p>\u5f9e\u4fdd\u96aa\u516c\u53f8\u7684\u89d2\u5ea6\u4f86\u770b\uff0c\u9019\u4e9b\u8a2d\u5099\u9084\u53ef\u4ee5\u8aac\u660e\u964d\u4f4e\u98a8\u96aa\u3002\n\u53d7\u5230\u6301\u7e8c\u76e3\u63a7\u7684\u623f\u5c4b\u98a8\u96aa\u8f03\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> \u5beb\u9053\u3002\n\u901a\u904e\u7a0b\u5f0f\u8a2d\u8a08\u70ba\u963b\u6b62\u53ef\u7591\u6d3b\u52d5\u7684\u53ef\u8996\u9580\u9234\u548c\u7167\u660e\u4f86\u6e1b\u5c11\u95d6\u5165\u7684\u6a5f\u6703\uff0c\u4f7f\u667a\u6167\u5bb6\u5c45\u7db2\u8def\u653b\u64ca\u7684\u640d\u5931\u98a8\u96aa\u8f03\u4f4e\uff0c\u56e0\u6b64\u61c9\u8a72\u964d\u4f4e\u4fdd\u96aa\u8cbb\uff0c\u300c\u5979\u89e3\u91cb\u8aaa\u300d\u3002  <\/p>\n\n<p>\u667a\u6167\u8a2d\u5099\u9084\u53ef\u4ee5\u9632\u6b62\u640d\u58de\u7684\u767c\u751f\uff0c\u5f9e\u800c\u70ba\u4fdd\u96aa\u516c\u53f8\u7bc0\u7701\u8ce0\u4ed8\uff0cHippo Insurance \u7684 <a href=\"https:\/\/www.hippo.com\/blog\/insurance-providers-want-smart-home\" target=\"_blank\" rel=\"noreferrer noopener\">Elizabeth Smith<\/a> \u5beb\u9053\u3002\u4f8b\u5982\uff0cHippo \u70ba\u65b0\u5ba2\u6236\u63d0\u4f9b\u514d\u8cbb\u7684\u5c16\u7aef\u611f\u6e2c\u5668\uff0c\u7528\u65bc\u6aa2\u6e2c\u6f0f\u6c34\u3002\u5176\u4ed6\u4f9b\u61c9\u5546\u8d08\u9001\u7159\u9727\u63a2\u6e2c\u5668\u548c\u4e0d\u540c\u7684\u7cfb\u7d71\u3002\u7c21\u55ae\u7684\u667a\u6167\u8a2d\u5099\u53ef\u4ee5\u8b66\u544a\u5373\u5c07\u5230\u4f86\u7684\u5371\u96aa\u6216\u7834\u58de\uff0c\u63d0\u4f9b\u66f4\u5168\u9762\u7684\u8986\u84cb\u7bc4\u570d\u548c\u66f4\u5927\u7684\u5b89\u5fc3\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u66f4\u591a\u7684\u6578\u64da\u610f\u5473\u8457\u4fdd\u96aa\u516c\u53f8\u66f4\u597d\u7684\u5de5\u4f5c\u65b9\u5f0f<\/h2>\n\n<p>\u9664\u4e86\u964d\u4f4e\u98a8\u96aa\u5916\uff0c\u667a\u6167\u8a2d\u5099\u9084\u4f7f\u4fdd\u96aa\u516c\u53f8\u80fd\u5920\u512a\u5316\u5176\u904b\u71df\u4e26\u6539\u5584\u5176\u5de5\u4f5c\u6d41\u7a0b\u3002<\/p>\n\n<p>\u9996\u5148\uff0c\u667a\u6167\u5bb6\u5c45\u8a2d\u5099\u5e6b\u52a9\u4fdd\u96aa\u516c\u53f8\u6e1b\u5c11\u98a8\u96aa\u4e26\u6539\u9032\u627f\u4fdd\u6d41\u7a0b\u3002\n\u81e8\u6642\u4f4f\u623f\u63d0\u4f9b\u8005 <a href=\"https:\/\/www.tacares.com\/ta-blog\/how-smart-home-technology-influencing-home-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Temporary Accommodation<\/a> \u7684\u5718\u968a\u8868\u793a\uff0c\u9019\u4e9b\u8a2d\u5099\u63d0\u4f9b\u7684\u6578\u64da\u4f7f\u627f\u4fdd\u4eba\u80fd\u5920\u5275\u5efa\u66f4\u597d\u7684\u6f14\u7b97\u6cd5\uff0c\u5f9e\u800c\u7522\u751f\u66f4\u6e96\u78ba\u7684\u98a8\u96aa\u9810\u6e2c\u3002 <\/p>\n\n<p>\u5176\u6b21\uff0c\u4ed6\u5011\u6539\u9032\u4e86\u7d22\u8ce0\u6d41\u7a0b\u3002\n\u64da\u80fd\u6e90\u516c\u53f8 <a href=\"https:\/\/blog.constellation.com\/2021\/01\/12\/smart-home-insurance-discounts\/\" target=\"_blank\" rel=\"noreferrer noopener\">Constellation<\/a> \u7a31\uff0c\u8ce0\u4ed8\u4e26\u4e0d\u662f\u4fdd\u96aa\u516c\u53f8\u5728\u7d22\u8ce0\u904e\u7a0b\u4e2d\u8667\u640d\u7684\u552f\u4e00\u65b9\u5f0f\u3002 <\/p>\n\n<p>\u201c\u9664\u4e86\u5728\u4f60\u63d0\u51fa\u7d22\u8ce0\u6642\u5411\u4f60\u652f\u4ed8\u640d\u5931\u7684\u9322\u5916\uff0c\u4fdd\u96aa\u516c\u53f8\u9084\u5fc5\u9808\u652f\u4ed8\u7ba1\u7406\u4f60\u7684\u6848\u4ef6\u7684\u958b\u92b7\uff0c\u201d\u4ed6\u5011\u5beb\u9053\u3002\n\u201c\u4fdd\u96aa\u516c\u53f8\u5df2\u7d93\u8a08\u7b97\u4e86\u6578\u5b57\uff0c\u4e26\u4e14\u77e5\u9053\u667a\u6167\u5bb6\u5c45\u7684\u64c1\u6709\u8005\u53ef\u80fd\u6703\u63d0\u51fa\u66f4\u5c11\u7684\u7d22\u8ce0\uff0c\u56e0\u70ba\u667a\u6167\u5bb6\u5c45\u66f4\u5b89\u5168\u3001\u4fdd\u8b77\u66f4\u597d\u3001\u66f4\u53ef\u9760\u3002\u7531\u65bc\u7d22\u8ce0\u7387\u8f03\u4f4e\uff0c\u4ed6\u5011\u53ef\u4ee5\u7bc0\u7701\u96d9\u500d\u7684\u8cbb\u7528\uff0c\u4e26\u4e14\u53ef\u4ee5\u4ee5\u8f03\u4f4e\u7684\u4fdd\u8cbb\u5f62\u5f0f\u5c07\u90e8\u5206\u7bc0\u7701\u7684\u8cbb\u7528\u8f49\u5ac1\u7d66\u60a8\u3002 <\/p>\n\n<p>\u6700\u5f8c\uff0c\u57fa\u65bc\u96f2\u7684\u5b89\u5168\u548c\u91ab\u7642\u4fdd\u5065\u89e3\u6c7a\u65b9\u6848\u4f9b\u61c9\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\u5718\u968a\u5beb\u9053\uff0c\u4f86\u81ea\u667a\u6167\u8a2d\u5099\u7684\u6578\u64da\u4f7f\u4fdd\u96aa\u516c\u53f8\u80fd\u5920\u5c07\u5176\u6a21\u578b\u5f9e\u88dc\u511f\u640d\u5931\u8f49\u8b8a\u70ba\u4e3b\u52d5\u98a8\u96aa\u7ba1\u7406\u3002\n\u201c\u5728\u6574\u500b\u4e92\u806f\u5bb6\u5ead\u4e2d\u90e8\u7f72\u611f\u6e2c\u5668\u548c\u8a2d\u5099\u4f7f\u4fdd\u96aa\u516c\u53f8\u80fd\u5920\u6210\u70ba\u4e3b\u52d5\u7684\u98a8\u96aa\u7ba1\u7406\u8005\u3002\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u4e3b\u52d5\u964d\u4f4e\u98a8\u96aa\uff0c\u800c\u4e0d\u662f\u7c21\u55ae\u5730\u5c0d\u4fdd\u96aa\u7d22\u8ce0\u505a\u51fa\u53cd\u61c9\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\u8cbb\u8005\u53ef\u4ee5\u4f7f\u7528\u7684\u667a\u6167\u5bb6\u5c45\u8a2d\u5099\u985e\u578b<\/h2>\n\n<p>\u6d88\u8cbb\u8005\u53ef\u4ee5\u7528\u4f86\u6f5b\u5728\u964d\u4f4e\u4fdd\u8cbb\u7684\u667a\u6167\u5bb6\u5c45\u8a2d\u5099\u4e26\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> \u5beb\u9053\uff0c\u667a\u6167\u6052\u6eab\u5668\u4f3c\u4e4e\u4e0d\u80fd\u964d\u4f4e\u4fdd\u8cbb\uff0c\u4f46\u6539\u5584\u80fd\u6e90\u7ba1\u7406\u53ef\u4ee5\u4f7f\u623f\u5c4b\u66f4\u5065\u5eb7\uff0c\u4e26\u4e14\u8a31\u591a\u4eba\u4f7f\u7528\u5b89\u5168\u7cfb\u7d71\u6216\u5728\u201c\u6eab\u5ea6\u5347\u9ad8\u8868\u660e\u6f5b\u5728\u706b\u707d\u201d\u6642\u95dc\u9589\u98a8\u6247\u3002\n\u53e6\u4e00\u65b9\u9762\uff0c\u50cf\u6f0f\u6c34\u6aa2\u6e2c\u5668\u9019\u6a23\u7684\u6771\u897f\u6709\u4e00\u500b\u66f4\u660e\u986f\u7684\u597d\u8655\u3002  <\/p>\n\n<p>\u201c\u6aa2\u6f0f\u5100\u8a2d\u8a08\u7528\u65bc\u5b89\u88dd\u5728\u5bb9\u6613\u767c\u751f\u6d2a\u6c34\u7684\u5730\u65b9\uff0c\u4f8b\u5982\u6d74\u5ba4\u3001\u5730\u4e0b\u5ba4\u548c\u985e\u4f3c\u4f4d\u7f6e\uff0c\u201d\u4ed6\u89e3\u91cb\u8aaa\u3002\n\u201c\u5982\u679c\u4ed6\u5011\u6aa2\u6e2c\u5230\u6c34\u5206\uff0c\u4ed6\u5011\u6703\u81ea\u52d5\u5411\u60a8\u7684\u624b\u6a5f\u767c\u9001\u8b66\u5831\uff0c\u4ee5\u4fbf\u60a8\u5728\u770b\u8d77\u4f86\u6709\u6d29\u6f0f\u6216\u6d2a\u6c34\u6642\u9032\u884c\u8abf\u67e5\u4e26\u63a1\u53d6\u884c\u52d5\u3002\u201d\n\u5f9e\u4fdd\u96aa\u516c\u53f8\u7684\u89d2\u5ea6\u4f86\u770b\uff0c\u5982\u679c\u63a2\u6e2c\u5668\u53ef\u4ee5\u95dc\u9589\u6c34\u6216\u555f\u52d5\u6c61\u6c34\u6cf5\uff0c\u90a3\u5c31\u66f4\u597d\u4e86\u3002  <\/p>\n\n<p>\u9019\u4e26\u4e0d\u662f\u552f\u4e00\u53ef\u4ee5\u70ba\u60a8\u7701\u9322\u7684\u6aa2\u6e2c\u8a2d\u5099\u985e\u578b\u3002\n\u667a\u6167\u7159\u9727\u63a2\u6e2c\u5668\u53ef\u4ee5\u986f\u8457\u964d\u4f4e\u767c\u751f\u706b\u707d\u7684\u98a8\u96aa\uff0cFox Business \u7684\u500b\u4eba\u7406\u8ca1\u4f5c\u5bb6 <a href=\"https:\/\/www.foxbusiness.com\/money\/home-insurance-reduce-premiums-smart-devices\" target=\"_blank\" rel=\"noreferrer noopener\">Tara Mastroeni<\/a> \u8aaa\u3002\n\u201c\u96d6\u7136\u6bcf\u500b\u7159\u9727\u63a2\u6e2c\u5668\u90fd\u4e0d\u540c\uff0c\u4f46\u5927\u591a\u6578\u667a\u6167\u578b\u624b\u6a5f\u90fd\u6703\u5411\u60a8\u767c\u9001\u81ea\u52d5\u7dad\u8b77\u8b66\u5831\uff0c\u5728\u51fa\u73fe\u8aa4\u5831\u6642\u9060\u7aef\u95dc\u9589\uff0c\u4e26\u5728\u51fa\u73fe\u554f\u984c\u6642\u901a\u77e5\u60a8\u7576\u5730\u7684\u6d88\u9632\u516c\u53f8\u3002\u201d  <\/p>\n\n<p>\u7136\u5f8c\u662f\u667a\u6167\u5b89\u5168\u8a2d\u5099\u3002\n\u5b89\u5168\u9818\u57df\u6709\u5404\u7a2e\u5404\u6a23\u7684\u300c\u4e3b\u52d5\u8a2d\u5099\u300d\u53ef\u4ee5\u5e6b\u52a9\u6d88\u8cbb\u8005\u964d\u4f4e\u4fdd\u8cbb\uff0cSouth Lake Agency \u7e3d\u88c1\u517c\u9996\u5e2d\u7d93\u7d00\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\u91cb\u8aaa\u3002\n\u60a8\u7684\u667a\u80fd\u7cfb\u7d71\u8d8a\u5168\u9762\u8d8a\u597d\u3002  <\/p>\n\n<p>\u201c\u5982\u679c\u4f60\u6709\u4e00\u500b\u7531\u54e1\u8b66\u5c40\u96c6\u4e2d\u76e3\u63a7\u7684\u8b66\u5831\u5668\uff0c\u4e00\u500b\u53ef\u4ee5\u6aa2\u6e2c\u5165\u5ba4\u76dc\u7aca\u3001\u706b\u707d\u548c\u4e00\u5207\u7684\u8b66\u5831\u5668\uff0c\u90a3\u9ebc\u9019\u4e9b\u5957\u9910\u5c07\u70ba\u60a8\u7684\u623f\u4e3b\u4fdd\u96aa\u63d0\u4f9b\u6700\u5927\u7684\u6298\u6263\uff0c\u201d\u4ed6\u8aaa\u3002\n\u4f46\u662f\uff0c\u5373\u4f7f\u662f\u53ef\u4ee5\u6aa2\u6e2c\u904b\u52d5\u4e26\u6253\u958b\u71c8\u7684\u5c0f\u578b\u5165\u9580\u7d1a\u8a2d\u5099\uff0c\u4e5f\u53ef\u4ee5\u4ee5\u964d\u4f4e\u4fdd\u8cbb\u7684\u65b9\u5f0f\u8d77\u5230\u95d6\u5165\u5a01\u61fe\u7684\u4f5c\u7528\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">\u667a\u6167\u8a2d\u5099\u6703\u70ba\u6d88\u8cbb\u8005\u7701\u9322\u55ce\uff1f<\/h2>\n\n<p>\u667a\u6167\u8a2d\u5099\u53ef\u80fd\u6703\u70ba\u6d88\u8cbb\u8005\u7bc0\u7701\u8cc7\u91d1\u3002\n\u6709\u591a\u5bb6\u4fdd\u96aa\u516c\u53f8\u5df2\u7d93\u70ba\u5728\u5bb6\u4e2d\u4f7f\u7528\u4e00\u500b\u6216\u591a\u500b\u667a\u6167\u8a2d\u5099\u7684\u6d88\u8cbb\u8005\u63d0\u4f9b\u6298\u6263\u3002\n\u4f46\u4fdd\u8cbb\u964d\u4f4e\u4e26\u4e0d\u662f\u5fc5\u7136\u7684\u3002\n\u667a\u6167\u5bb6\u5c45\u8a2d\u5099\u7684\u6d88\u8cbb\u8005\u6298\u6263\u53ef\u4ee5\u63a1\u53d6\u591a\u7a2e\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> \u5beb\u9053\u3002\n\u9664\u4e86\u964d\u4f4e\u4fdd\u8cbb\u5916\uff0c\u6d88\u8cbb\u8005\u9084\u53ef\u4ee5\u7372\u5f97\u667a\u6167\u7522\u54c1\u672c\u8eab\u7684\u6298\u6263\u4ee5\u53ca\u514d\u8cbb\u6216\u6253\u6298\u7684\u5b89\u88dd\u3002    <\/p>\n\n<p>\u60a8\u5be6\u73fe\u7684\u7bc0\u7701\u985e\u578b\u4e5f\u53ef\u80fd\u53d6\u6c7a\u65bc\u8a2d\u5099\u3002\u7e3d\u90e8\u4f4d\u65bc\u82f1\u570b\u7684\u667a\u6167\u4fdd\u96aa\u63d0\u4f9b\u8005 Hiro \u7684\u806f\u5408\u5275\u59cb\u4eba\u517c\u9996\u5e2d\u57f7\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\u70ba\u4ed6\u5011\u7d93\u904e\u6e2c\u8a66\u4e26\u78ba\u4fe1\u53ef\u4ee5\u88ab\u4ed6\u5011\u7684\u61c9\u7528\u7a0b\u5f0f\u6aa2\u6e2c\u5230\u7684\u7522\u54c1\u63d0\u4f9b\u66f4\u5927\u7684\u6298\u6263\u3002\n\u67d0\u4e9b\u8a2d\u5099\uff0c\u4f8b\u5982\u96fb\u6c60\u4f9b\u96fb\u7684\u8a2d\u5099\uff0c\u53ef\u80fd\u4ecd\u53ef\u4eab\u53d7\u6298\u6263\uff0c\u4f46\u4e0d\u6703\u90a3\u9ebc\u5927\u3002 <\/p>\n\n<p>\u7136\u800c\uff0c\u4e0d\u80fd\u4fdd\u8b49\u60a8\u6703\u7372\u5f97\u6295\u8cc7\u56de\u5831\uff0c\u4f46\u662f\uff0cValuePenguin \u7684\u9ad8\u7d1a\u7814\u7a76\u5206\u6790\u5e2b <a href=\"https:\/\/www.valuepenguin.com\/2019\/03\/smart-home-insurance-worth-it\" target=\"_blank\" rel=\"noreferrer noopener\">Mark Fitzpatrick<\/a> \u8b66\u544a\u8aaa\u3002\n\u201c\u9452\u65bc\u9019\u4e9b\u667a\u80fd\u8a2d\u5099\u5957\u9910\u4e2d\u7684\u8a31\u591a\u50f9\u683c\u70ba\u6578\u767e\u7f8e\u5143\uff0c\u5b83\u5011\u5f88\u5c11\u662f\u4e00\u9805\u53ef\u4ee5\u901a\u904e\u7bc0\u7701\u4fdd\u8cbb\u4f86\u6536\u56de\u6210\u672c\u7684\u6295\u8cc7\uff0c\u201d\u4ed6\u5beb\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\u98a8\u96aa\uff1f<\/h2>\n\n<p>\u4e26\u4e0d\u662f\u6bcf\u500b\u4eba\u90fd\u71b1\u8877\u65bc\u5c07\u667a\u6167\u8a2d\u5099\u6574\u5408\u5230\u4ed6\u5011\u7684\u5bb6\u4e2d\u7684\u60f3\u6cd5\uff0c\u66f4\u4e0d\u7528\u8aaa\u5141\u8a31\u4fdd\u96aa\u516c\u53f8\u8a2a\u554f\u6578\u64da\u4e86\u3002<\/p>\n\n<p>\u8207\u667a\u6167\u8a2d\u5099\u76f8\u95dc\u7684\u98a8\u96aa\u5df2\u5ee3\u70ba\u4eba\u77e5\u3002\nHUB International \u5c08\u696d\u696d\u52d9\u7e3d\u88c1 <a href=\"https:\/\/www.hubinternational.com\/blog\/2016\/10\/smart-homes-create-new-risks\/\" target=\"_blank\" rel=\"noreferrer noopener\">Todd Macumber<\/a> \u8aaa\uff0c\u5176\u4e2d\u4e4b\u4e00\u662f\u5c0d\u60a8\u7684\u96b1\u79c1\u3001\u5b89\u5168\u751a\u81f3\u60a8\u5bb6\u5b8c\u6574\u6027\u7684\u5a01\u8105\u3002\n\u6709\u4e9b\u8a2d\u5099\u5bb9\u6613\u53d7\u5230\u96fb\u6e67\u7684\u5f71\u97ff\uff0c\u9019\u53ef\u80fd\u6703\u640d\u58de\u60a8\u8ca1\u7522\u7684\u96fb\u6c23\u7cfb\u7d71\u2014\u2014\u9019\u662f\u623f\u4e3b\u4fdd\u96aa\u4e26\u4e0d\u7e3d\u662f\u6db5\u84cb\u7684\u3002  <\/p>\n\n<p>\u4f7f\u7528\u9019\u4e9b\u8a2d\u5099\u4e5f\u4e0d\u80fd\u4fdd\u8b49\u4fdd\u8cbb\u6703\u4e0b\u964d\u3002\n\u4e8b\u5be6\u4e0a\uff0c\u4fdd\u96aa\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\u6167\u8a2d\u5099\u5be6\u969b\u4e0a\u5b58\u5728\u4fdd\u8cbb\u589e\u52a0\u7684\u98a8\u96aa\u3002\n\u901a\u77e5\u623f\u4e3b\u548c\u4fdd\u96aa\u516c\u53f8\u6f0f\u6c34\u7684\u76f8\u540c\u6578\u64da\u4e5f\u53ef\u7528\u65bc\u8b58\u5225\u5b58\u5728\u66f4\u5927\u98a8\u96aa\u7684\u6d88\u8cbb\u8005\u3002\n\u56e0\u6b64\uff0c\u4ed6\u5011\u7684\u4fdd\u8cbb\u53ef\u80fd\u6703\u589e\u52a0\u3002   <\/p>\n\n<p>\u90a3\u9ebc\uff0c\u89e3\u6c7a\u65b9\u6848\u662f\u4ec0\u9ebc\uff1f\n\u6839\u64da Helpnet Security \u4e3b\u7de8 <a href=\"https:\/\/www.insurancethoughtleadership.com\/smart-home-devices-the-security-risks\/\" target=\"_blank\" rel=\"noreferrer noopener\">Mirko Zorz<\/a> \u7684\u8aaa\u6cd5\uff0c\u6d88\u8cbb\u8005\u53ea\u6709\u5728\u78ba\u4fdd\u667a\u6167\u8a2d\u5099\u80fd\u5920\u63d0\u9ad8\u4ed6\u5011\u7684\u751f\u6d3b\u8cea\u91cf\u4e26\u4e14\u4ed6\u5011\u5c0d\u5b89\u5168\u548c\u96b1\u79c1\u63aa\u65bd\u611f\u5230\u6eff\u610f\u5f8c\uff0c\u624d\u61c9\u8a72\u5c07\u667a\u6167\u8a2d\u5099\u878d\u5165\u4ed6\u5011\u7684\u5bb6\u4e2d\u3002\n\u5e0c\u671b\u9f13\u52f5\u63a1\u7528\u9019\u4e9b\u8a2d\u5099\u7684\u4fdd\u96aa\u516c\u53f8\u61c9\u8a72\u660e\u78ba\u56de\u7b54\u9019\u5169\u500b\u554f\u984c\u3002  <\/p>\n\n<h2 class=\"wp-block-heading\">\u4fdd\u96aa\u516c\u53f8\u53ef\u80fd\u9700\u8981\u66f4\u591a\u6578\u64da<\/h2>\n\n<p>\u96d6\u7136\u667a\u6167\u5bb6\u5c45\u8a2d\u5099\u986f\u7136\u5df2\u7d93\u6539\u8b8a\u4e86\u4fdd\u96aa\u696d\uff0c\u4f46\u6d88\u8cbb\u8005\u53ef\u80fd\u9084\u9700\u8981\u4e00\u6bb5\u6642\u9593\u624d\u80fd\u4f7f\u7528\u5b83\u5011\u5f9e\u6839\u672c\u4e0a\u964d\u4f4e\u4fdd\u8cbb\u3002\u79d1\u6280\u8a18\u8005\u517c Stacey on IoT \u5275\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\u96aa\u516c\u53f8\u9700\u8981\u66f4\u591a\u6578\u64da\uff0c\u7136\u5f8c\u624d\u80fd\u958b\u59cb\u8003\u616e\u6e1b\u5c11\u7d22\u8ce0\u6216\u63d0\u4f9b\u6253\u6298\u8a2d\u5099\u7684\u53ef\u884c\u6027\u3002\n\u5177\u9ad4\u4f86\u8aaa\uff0c\u4ed6\u5011\u9700\u8981\u6709\u95dc\u9019\u4e9b\u8a2d\u5099\u5728\u591a\u5927\u7a0b\u5ea6\u4e0a\u6e1b\u5c11\u7d22\u8ce0\u7684\u6578\u64da\u3002 <\/p>\n\n<p>\u5982\u679c\u9019\u4e9b\u8a2d\u5099\u88ab\u8b49\u660e\u6709\u6548\uff0c\u90a3\u9ebc\u500b\u4eba\u5316 P&amp;C \u4fdd\u96aa\u7684\u65b0\u6642\u4ee3\u53ef\u80fd\u5373\u5c07\u5230\u4f86\u3002<\/p>\n\n<p><em>\u5716\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\u6167\u5bb6\u5c45\u8a2d\u5099\u5728\u5168\u570b\u5404\u5730\u7684\u5bb6\u5ead\u4e2d\u5df2\u7d93\u5f88\u666e\u904d\uff0c\u4f46\u4fdd\u96aa\u696d\u4ecd\u61c9\u9810\u8a08\u6703\u51fa\u73fe\u6578\u91cf\u6fc0\u589e\u3002 \u6839\u64da\u7269\u806f\u7db2\u5206\u6790\u516c\u53f8 Berg In [&hellip;]<\/p>\n","protected":false},"featured_media":10016,"template":"","insight-category":[],"class_list":["post-19164","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight\/19164","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/media\/10016"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/media?parent=19164"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight-category?post=19164"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}