Sounds like you have a pretty reasonable approach already setup. Beware of the trap of getting sucked into fear rather than managing risk, it’s easy to do. When you actually look at the data you usually find that we’re living in the safest times we ever have.
In my opinion insurance is there to protect your stuff, and your alarm should alert you if you get back and have been burgled. My only concern is not to surprise a burglar, as you never know what someone might do when desperate.
My only other thought, based on your comments, is to plant some jewellery some where not too hidden, so if you are burgled they take it and leave vs trash the place.
In terms of smart home, how IT savvy are you? Most of the off the shelf switches that are easy use the cloud (with all the associated risks that involves). You can do it for reasonable cost without, but this tends to be more DIY, using a raspberry pi type device as the hub. There are commercial smart home systems that have the server in your house, but these tend to be fairly expensive and are more for a whole house upgrade. I use a system called Loxone (https://www.loxone.com/enen/) to do this, but this was as part of a whole house renovation and cost several thousand. It manages lighting, heating, electric blinds etc. They do have a wireless version that is smaller and would do what you ask, but you need a consultant to order it and set it up, and I’d expect you’d be talking towards a grand to do what you want (from memory the server is approx. £400, relay sockets are approx £100 each). They’re a lot more expensive because everything is designed to last the life of the building, whereas most consumer electronics are expected to be replaced every few years.
Be aware, I suspect a savvy burgler now would just trip the consumer box when they brake in, which will kill most of the “smart” security systems.