Connected homes are becoming the norm, with millions of Americans relying on Wi-Fi networks, mobile apps and smart devices to manage everything from door locks to thermostats. Mercury Insurance (NYSE/NYSE Texas: MCY) is reminding homeowners that as convenience increases, so does exposure — and that basic cybersecurity practices can help reduce both digital and physical risks.

"Smart-home technology is incredibly useful, but it also expands the number of entry points into your home — not just digitally, but physically," said Dustin Howard, Head of Info Security at Mercury Insurance. "The good news is that many of the most effective protections are simple, proactive steps that homeowners can take today."

Smart-home adoption continues to accelerate, with recent studies showing that roughly 70% of U.S. households now use at least one connected device. From video doorbells to smart garage doors, these tools provide visibility and control — but if not properly secured, they can also create vulnerabilities that bad actors may exploit.

Mercury Insurance recommends the following cybersecurity best practices for connected homes:

• Secure your Wi-Fi network: Use strong, unique passwords and enable WPA3 encryption when available to prevent unauthorized access.
• Update devices regularly: Firmware and software updates often include critical security patches that close known vulnerabilities.
• Enable multi-factor authentication (MFA): Adding a second layer of verification significantly reduces the risk of unauthorized account access.
• Segment your network: Consider placing smart-home devices on a separate network from personal devices like laptops and phones.
• Change default settings: Many devices come with default usernames and passwords that are widely known and easily exploited.
• Monitor device activity: Regularly review connected devices and remove any that are no longer in use.

"As homes become more connected, cybersecurity becomes a core part of overall home protection," Howard added. "It's not just about protecting your data — it's about protecting your property, your privacy and your peace of mind."

With smart-home technology expected to continue expanding, Mercury Insurance encourages homeowners to treat cybersecurity as a routine part of home maintenance — just like checking smoke detectors or locking doors — to stay ahead of evolving risks.

For more information about protecting your home from cyberattacks, check out the Mercury Blog.