If the last 12 months have shown us anything, it is that there is a fundamental change happening to the way in which people will be able to live their lives. There is no question that some homes will take longer to become adopters of new technologies. But as costs come down, and benefits become more obvious, smart homes (or at least, more intelligent homes...), will become the norm.

As is alluded to in this article from techcrunch.com, the role of the carrier will also take a significant shift. Individuals will become their own risk managers, and carriers have an opportunity to be part of this, or be left behind. This will be true across all types of risk, with the possible exception of natural catastrophes.