"I'd expect the Home and Contents insurers to start loading premiums for people who secure their homes with this stuff."
I'd expect the opposite. To the insurers, IoT = electronic = equals security = better so anyone NOT using this type of kit will see their premiums increased. As was predicted here by many, the insurers "black box" for young drivers to monitor their quality of driving to reduce premiums is now being advertised as a benefit to all drivers. Before long they will be standard and drivers without them will pay much more for choosing not to be tracked and watched by big brother.