Walmart has announced it is testing similar systems with customers in Silicon Valley and Miami. "There are a lot of questions," said Kenneth Cantor, an attorney and the owner of Cantor Insurance Group in Southfield. "When you have home owner's insurance, it covers you for your property and liability. If you invite someone on your property and they steal something or knock a candle over and the house burns down, would your policy cover it?" More: Amazon, Walmart, Kohl's mark holiday shopping season with these great deals As technology advances, he said, policies will have to catch up, and that could mean rates will go up. "It's a new development, so we don't have a lot of current experience with this," said Jim Whittle, assistant general counsel of the American Insurance Association in Washington D.C. "Does it make the house more risky? Does it make the house less risky?" The AIA is a property-casualty insurance trade organization representing about 320 insurers that write more than $125 billion in premiums each year. Whittle said that as more people adopt the smart lock technology, and people are able to enter a home when the homeowner is not there, carriers will need to wrestle with all sorts of liability questions: What if someone gets injured — slips on a wet floor — while delivering? What if a pet gets out or violently attacks the delivery person? What if the front door doesn't get closed, or the system is hacked? “In any of those situations, will Amazon be held liable or will the homeowner be at fault?” said Michael Macauley, CEO of Pleasanton, Calif.-based Quadrant.
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