Do Devices Like Amazon’s Echo and Alexa Create Personal Liability?

A Personal Insurance Update

More consumers are buying smart devices that tie in their smart phones and other home technology to the internet. The most current devices allow you to have direct access to the internet from anywhere in your home. By saying a key phrase, which Amazon calls a “wake word,” the Echo comes to life and begins listening for commands. By default, the wake word is Alexa. You can shop, order food, and manage your other connected devises. Conversely, all this freedom brings a few new personal liability exposures.

. Most homeowners are familiar with the basic coverage found their homeowner’s insurance policy; including coverage for the home itself, personal property and liability associated with owning a home. We thought it might be good to provide a list of suggested coverage for your consideration.

Risk Concerns

• Anyone can access the device—including children.
• The device can be turned off, but many people seem to forget to do so.
• Security depends on how well the end-user deploys firewalls, etc.
• There are many documented cases of children buying goods and services simply by saying key words.
• The third-party doctrine. As strong as privacy jurisprudence has been in protecting the home, it has been very weak in another areas. Under the court’s so-called “third party doctrine,” the Constitution does not require police to get a warrant to access people’s records from their bank, telephone company, internet service provider, Google, Amazon, or any other third party. From ACLU.com

Every home is unique. Talk to us today to find out how to get the best price and value on Illinois home insurance for you.

This entry was posted on Wednesday, June 28th, 2017 at 11:15 am and is filed under Home Insurance, Personal Insurance. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.