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Your insurance company wants to give you $60 off your premium.

Simply install a Nest thermostat or a Ring doorbell.

Sounds like a no-brainer until you understand what you're actually trading.

Okay, these programs give insurers access to your smart home data, and they can use it against you when you file a claim.

It's called lifestyle underwriting.

Say a pipe bursts while you're away.

Your insurer pulls up your nest history, sees that you set the heat to 45 degrees, and calls it negligence.

Claim denied.

So before you sign up, one, read the terms.

Specifically, what data do they collect?

How long do they keep it?

And who can they share it with?

Next, ask your insurer in writing how your data could affect a future claim.

That $60 discount could cost you thousands when it matters most.

Get TechSmarts every day for free at GetKim.com.

Next up, a call from my weekend show, The Kim Commando Show.

Enjoy.

Here's something most people don't think about.