Prime Day in 2025 is a two‑day ecommerce event that sets company records and lifts the broader market. Independent tracking shows double‑digit year‑over‑year growth in U.S. online sales during Prime Day 2025, with smartphones driving roughly three‑fifths of online revenue and buy now, pay later usage reaching record shares during major sale periods—patterns that carry into Prime Day (Adobe Digital Insights). Amazon also reported record results for its 2025 event, highlighting strong third‑party seller performance and Amazon device sales (About Amazon). Panel data show multiple small orders per household, a low median order value, and a large share of sub‑$25 items, as shoppers stock up on essentials alongside select big‑ticket buys (Numerator). Value‑seeking remains elevated, and overlapping sales from other retailers now reliably boost market‑wide activity during the same 48‑hour window (McKinsey 2025 Consumer Pulse; Adobe).
Beyond holiday gifts, Prime Day is a strategic time to buy smart‑home devices that can reduce long‑term costs—especially your home insurance. The Insurance Information Institute notes that basic protective devices (e.g., smoke detectors, local alarms) can usually save at least 5%, while centrally monitored fire/burglar systems or sprinklers can cut premiums by roughly 15%–20% when eligible (Insurance Information Institute). Carriers increasingly recognize water‑leak mitigation—especially automatic shutoff valves—and may require proof of installation for higher credits (Travelers; The Hartford).
[ Read: The Best Homeowners Insurance Companies ]
Smart security and safety tech can deter opportunistic crime, speed detection, and improve verification. Insurers most consistently credit professionally monitored burglar/fire alarms and water‑leak detection with automatic shutoff because they directly reduce loss frequency and severity—especially non‑weather water losses, which remain a major, controllable driver of homeowners claims (LexisNexis Home Insurance Trends; III). New device capabilities—on‑device AI analytics, radar‑assisted presence sensing, and video verification—help reduce false alerts and support faster, better‑qualified responses, aligning with why monitored systems earn larger credits (CSA Matter 1.3; UL 827A).
Many insurers advertise protective‑device discounts but increasingly require documentation for higher credits—think a monitoring certificate from a UL‑listed central station (physical or virtual under UL 827A), proof that devices are installed/monitored, and that water shutoff is enabled where applicable (State Farm; Travelers; Allstate; The Hartford; USAA; UL 827A). Note that virtual‑assistant features like Alexa Guard are not the same as professional monitoring and typically don’t qualify for monitored‑alarm credits (III).
Prime Day runs for 48 hours for Prime members and is now accompanied by competing retailer events that raise market‑wide sales. Adobe reports that mobile dominates during these peaks (about 60% of revenue via smartphones), while BNPL hits record shares as shoppers stretch larger baskets; Amazon’s fall “Prime Big Deal Days” is smaller but still pulls holiday demand forward (Adobe; About Amazon). Expect deep discounts on Amazon devices, home security, and essentials, with discovery driven by app push alerts and wish‑lists (Numerator).
Below are Prime Day‑friendly products that can support lower premiums when configured to insurer standards. Keep purchase receipts, installation proof, and—where applicable—your alarm monitoring certificate ready for your insurer (III).
Ring Alarm 5-Piece Kit
The Ring Alarm 5-Piece Kit delivers DIY security with optional professional monitoring, cellular and battery backup, and a broad accessory lineup (contact/motion sensors, smoke/CO listener, flood/freeze sensors). With professional monitoring enabled, many insurers recognize the system for protective‑device credits, especially when you provide a monitoring certificate; centrally monitored alarms commonly qualify for higher savings than self‑monitored setups (Ring; III).
For larger homes, range extenders maintain coverage, and Alexa integration supports convenient arming/disarming. Look for features that reduce false dispatches—entry/exit delays and, where available, video verification—to align with insurer and municipal expectations. If seeking higher credits, confirm your monitoring provider is UL‑listed (traditional central station or virtual under UL 827A) and request written proof for your insurer (UL 827A; III).
Blink Mini
The Blink Mini (current Mini 2) is a compact indoor 1080p camera with motion alerts and Alexa integration, often offered at a very low price during major sales. It’s useful for deterrence and evidence and can complement a monitored alarm system, though cameras alone typically do not earn significant insurance discounts (Blink; III).
Recent camera trends include on‑device AI detection and radar‑assisted motion for better classification and fewer nuisance alerts—features that support faster verification when paired with professionally monitored systems (CSA). Use the app for two‑way talk and activity zones, and consider local storage or subscription needs when comparing total cost of ownership.
Amazon Echo Dot (3rd Gen)
Though a voice assistant isn’t a security system, the Amazon Echo Dot can unify devices and routines. Newer Echo devices act as Matter controllers (and some as Thread Border Routers), improving local reliability for compatible sensors and locks and simplifying cross‑ecosystem setups (Alexa + Matter; Google Home + Matter).
Use Alexa Routines to automate lights, locks, and notifications. Keep in mind that virtual‑assistant sound detection (e.g., listening for alarms) generally does not meet insurers’ definition of professional monitoring; for larger discounts, you’ll want a documented, centrally monitored alarm system (III).
August Smart Lock
A retrofit smart lock helps control access without changing your exterior hardware. The August Smart Lock supports auto‑unlock via phone, DoorSense for door position, and broad platform integrations via Wi‑Fi/Bluetooth (August). Wi‑Fi convenience can reduce battery life relative to Thread/Bluetooth‑first models; newer locks from other brands increasingly add Matter/Thread and even fingerprint keypads for local, low‑power operation (Yale smart lock updates; Wirecutter).
On insurance, smart locks alone usually don’t trigger large credits, but they complement a monitored alarm system and can support better access control and audit trails. For premium savings, prioritize a professionally monitored burglar/fire system and keep documentation for your insurer (III).
Kasa Outdoor Camera
An outdoor camera can deter activity and expand visibility around your property. The Kasa Outdoor Camera offers two‑way talk, night vision, motion alerts, and voice‑assistant control. Across the category, the latest cameras increasingly add on‑device AI analytics and even radar‑assisted motion (“3D” presence sensing) to reduce false alerts—useful for event verification, which public safety agencies and insurers value when part of a monitored system (CSA).
As with other standalone cameras, insurance credits are limited unless the device is integrated with a professionally monitored alarm. When comparing options, check for secure update policies and multi‑factor account protections—areas likely to gain prominence as the U.S. Cyber Trust Mark appears on devices starting in 2025 (FCC Cyber Trust Mark).
The Bottom Line
Prime Day’s 48‑hour surge—fueled by mobile shopping (~60% of revenue) and record BNPL usage—makes it a strong moment to buy risk‑mitigating tech at deep discounts (Adobe). For homeowners insurance, typical savings cluster around 5% for basic protective devices and up to about 15%–20% for centrally monitored fire/burglar alarms and sprinkler systems, with growing recognition for automatic water shutoff (III). Many carriers offer protective‑device discounts and, in some programs, subsidize devices such as leak sensors or electrical‑fire hazard monitors—ask your insurer about eligibility and required documentation (State Farm; Travelers; The Hartford; Allstate; USAA; Ting program impact). Keep receipts, installation/monitoring certificates, and device serials handy; insurers may verify operation at renewal.
