Futurists are predicting our homes will be ‘digital fortresses’ in the next 20 years. And insurers are set to tap the tech to protect our investments.


Beyond 2020: as our homes go hi-tech, so will our insurance


By 2040, our homes will be digital fortresses and living with robots will be the norm. Those are the predictions of internationally renowned futurologist Ray Hammond in Super-Smart Living – The Mid-21st-Centrury Home, a report into future developments and trends that are expected to transform our home lives over the next 20 years.


According to the report commissioned by global insurer Allianz Partners, within two decades our homes will be protected by security systems based on biometrics and facial pattern recognition software. Robots will take over many daily household chores and we’ll probably be enjoying our home’s host of fully immersive and interactive virtual entertainment and educational experiences with those same robotic companions.   


Mr Hammond said, “The newly built super-smart homes of 2040 will be a platform for software and robotics which provide security, comfort, climate management and a constant stream of smart services and entertainment to its occupants and visitors. They will be more secure and sustainable than ever before. Thanks to a multitude of super-smart technologies which will be available by then, the average new home will use 75% less energy and only one-third of the water used in a typical new home today. The reality is that by 2040, our homes will be a hub of the Internet of Things (IoT), and our day-to-day lives will be utterly transformed.”


Key insights from the report:



  • Security systems will be based on the occupants’ biometrics, using facial-pattern-recognition and pet recognition software to control access to the home.
  • Owners can monitor empty properties using their preferred data interface, such as smart contact lenses, smart glasses, portable projection device or screen.
  • ‘Burglars’ will be hackers rather than opportunistic criminals, applying AI techniques to launch assaults on home networks.


  • In the kitchen, robot chefs will follow recipes precisely, using smart, connected ovens and cookers; while smart fridges will monitor the freshness and quality of food and re-order supplies.
  • New-build houses and apartments will be 3-D printed on-site and staffed by teams of domestic robots in the home and garden.

Data & Tech

  • 7G will be the global standard for wireless communication, enabling homes to become 3-D printing centres with the ability to make clothing, toys, sports equipment, tools and many other items.
  • Data will be rich and layered, enabling owners to control temperatures and air quality based on climate and weather forecasts.

Leisure trends

  • Holo-Cinemas will combine VR, AR and holographic technologies to create realistic and immersive gaming, travel, educational, sporting and entertainment experiences.

And insurers will be looking to tap into the benefits that developments in security and AI will bring too. Opportunities to create enhanced assistance and insurance solutions that integrate facial recognition, cyber security and virtual assistance are just some of the paths insurers will take to meet the needs of policyholders into the future.


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