How to reduce costly insurance payouts due to burglary

Home burglaries occur every 90 seconds across Europe, making them one of the most frequent and costly types of property insurance claims.

For insurers, the consequences reach far beyond financial loss. Burglary claims create operational strain, increase handling complexity, and ultimately reduce overall profitability.

For policyholders, the impact goes beyond the stolen items. A burglary often leaves a lasting sense of insecurity that no payout can fully address.

However, many of these claims are preventable. With smart technology, insurers can shift from reactive claims processing to proactive risk mitigation and protect both their portfolios and their customers’ homes.

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Reducing burglary losses through faster detection

Burglary incidents can escalate quickly. Even a brief intrusion can result in significant theft, property damage, and high claim payouts.

Connected security devices such as entry sensors, smart sirens, and motion sensors provide an effective way to detect suspicious activity the moment it occurs.

When placed at key entry points, these devices send instant alerts to the homeowner and alarm stations, which enables rapid action that can disrupt the intrusion before major losses occur.

In more advanced setups, connected systems can activate lights, sound a siren, or notify security services.

For insurers, faster awareness leads to fewer successful break-ins, lower claim severity, reduced payouts, and an overall improvement in customer satisfaction.

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Strengthening burglary risk management

Managing burglary losses is challenging because the decisive events happen before insurers can intervene. Connected technology introduces a more proactive approach by giving insurers earlier visibility into emerging risks.

With faster insight and clearer information, insurers can support quicker responses and improve the stability of their claims portfolios. Early alerts and reduced loss severity help protect both customers and operational performance.

Connected burglary prevention solutions also offer broader strategic value, including:

• Data that improves risk assessment and underwriting accuracy
• New digital touchpoints that support stronger customer engagement
• Opportunities to offer personalized and preventive services
• A clearer understanding of risk exposure across the portfolio

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How Onics helps insurers move from claims to prevention

Onics enables insurers to take the next step toward connected burglary prevention. The Onics platform combines proven IoT devices, including entry sensors, motion sensors, and smart sirens,with a scalable software and data foundation designed for insurance use.

Through this integrated ecosystem, insurers can:

• Launch a branded burglary detection solution without new development investment
• Reduce burglary-related claims by enabling faster detection and response
• Access sensor insights to improve underwriting and risk modeling
• Expand their offerings with additional prevention solutions such as fire and water detection
• Start small and scale seamlessly as adoption grows

Onics acts as a long-term partner for insurers that want to move beyond claims compensation and deliver real risk prevention, protecting both their customers and their overall portfolio performance.

Get a demo of the risk prevention solution

Onics’ technology is already helping leading insurers reduce claims costs and minimize risk exposure.  

By providing all parts of the end-to-end solution, we enable a smoother path from detection to damage prevention.

Ready to experience the future of risk mitigation?

Book a demo with our insurtech experts.