> More importantly, no insurance company will cover costs from a fire if they find out that you had a self built smoke detector which didn't pass standard quality checks.
Is this a thing? Where?
Are there similar things for burglar alarms where your insurance doesn’t pay or has a more expensive premium because of lacking alarm systems?
Making a fire alarm smart should never affect the normal functionality. They should of course always be certified the same way. One thing that could be worse is battery time, especially for high power wireless like 802.11, but a workaround for that could be to have two separate batteries and let it fail to a dumb alarm when the IoT battery is dead.