Smart homes offer promising opportunities for risk prevention in private households, especially concerning safety and health. For instance, they can reduce safety risks by detecting water leakages quickly and support health by monitoring air quality. Current research on smart home technology predominantly focuses on usability, performance expectations, and cyber risks, overlooking the potential importance of risk prevention benefits to prospective users. We address this gap by utilizing data from a recent survey by Iten et al. (2024) to construct a structural equation model. Our overarching hypothesis is that prevention benefits and comfort considerations positively influence adoption. The results confirm the relevance of comfort, as suggested by previous research. In addition, the results reveal significant prevention benefits in safety and health, which are positively related to technology expectations and the intention to adopt smart homes. Furthermore, newly included variables such as technology affinity and active aging lifestyle emerge as indicators of potential smart home users, extending the knowledge of user characteristics beyond traditional sociodemographic indicators. The findings contribute to filling a gap in the current risk and technology literature and are also relevant for smart home device manufacturers and risk and insurance practitioners looking to evolve their business models.