Why insurers care
Non-weather water damage is the most frequent homeowners claim in the United States and one of the most expensive, and the cost of a loss scales with how long the water ran. On the jobs we work, a supply line that ran for six hours while the family was at work is a dry-out; the same line running for a long weekend is a rebuild. A device that closes the main in minutes changes the carrier's loss curve, which is why insurers are willing to pay part of the cost. Farmers goes further and says that in some locations a leak detection system is required when it insures a home with older plumbing.
The programs fall into three shapes:
- A premium discount after a qualifying device is installed and verified, often listed as a percentage on specific perils.
- A device credit or rebate, where the insurer or manufacturer knocks money off the hardware, sometimes with a free install.
- A free device shipped by the insurer in exchange for enrolling and keeping it active.
Almost every program note we read ends with some version of 'availability and discounts vary by state,' so treat the table as a list of places to start, not a quote.
Updated: October 30, 2026. We re-check these pages quarterly and when a carrier announces a program.
Insurer programs we can cite (October 2026)
| Insurer | Program or discount | Eligible devices | How to claim | Source |
|---|---|---|---|---|
| Farmers | Leak detection discount; page says installing a system 'may earn you a significant discount'; required in some locations for homes with older plumbing; special offer currently shown for California homeowners; discounts and eligibility vary by state | Moen Flo Smart Water Monitor and Shutoff named; page also cites relationships with other leak-detection providers | Contact a Farmers agent; the page links to a Moen offer page for Farmers customers | https://www.farmers.com/leak-detection/ |
| Nationwide | Smart home program: free LeakBot water leak detector (and Ting electrical sensor) plus a policy discount on fire, theft and water coverages; footnote lists 10% on water and theft coverages in California and 5% across perils in Washington; not available in AK, HI, LA, NY, OK; device must be activated within 55 days of enrollment or the discount is removed | LeakBot (free); Phyn Plus 2nd Gen through Phyn's Nationwide bundle page (15% off device, installed at the policy address, 3/4 to 1-1/4 in mains, 2.4 GHz Wi-Fi) | Enroll through nationwide.com or your agent; device must be installed, activated and linked to the Nationwide account. Phyn bundle: buy through Phyn's page and use its plumber map | https://nationwide.com/personal/insurance/homeowners/smart-home ; https://phyn.com/pages/nationwide-leak-protection |
| Mercury Insurance | 25% off the Flume device plus a homeowners discount after the device is installed, continued as long as it stays active; HO-3 policies only; AZ, CA, GA, IL, NJ, NV, OR, TX, VA; California policies with effective dates on or after Dec 15, 2023 | Flume Smart Home Water Monitor (Flume 2) | See flumewater.com/mercury; check water-district rebates at flumewater.com/rebate first; install is a 10-minute strap-on at the meter | https://mercuryinsurance.investorroom.com/2024-03-14-Mercury-Insurance-Continues-Partnership-with-Flume-Water-Monitor-to-Help-Policyholders-Reduce-Water-Leaks |
| Chubb | 15% off all Phyn products with code chubb15; no premium credit stated; Chubb notes the offer is not an indication that coverage is available under any policy | Phyn Protect (Phyn Plus) and Phyn Smart Water Sense | Buy through Phyn's Chubb page; ask your Chubb agent whether a premium credit applies in your state | https://phyn.com/pages/chubb |
| Amica | Program announced to help homeowners prevent water damage, partnered with Flume (2024); a separate Phyn and Amica partnership was announced by press release in June 2024; terms were not published on the pages we could reach | Flume water monitor; Phyn (per press release) | Call Amica or your agent; ask for the Flume or Phyn program terms in your state | https://amica.com/en/about-us/media-center/news-release-archive/2024/prevent-water-damage.html |
| American Family | 'With a smart water leak detector, you could qualify for a discount on your policy'; no brand or percentage named; availability and eligibility vary by state and policy terms | Smart water leak detector with automatic main shutoff (described generically) | Connect with an American Family agent; ask for the smart home discount | https://www.amfam.com/insurance/home/smart-home/preventing-water-damage |
| Moen partner pages (ShoreOne Insurance; Auto Club of Southern California) | Moen hosts co-branded Flo offer pages for these carriers; we found the pages but did not verify the terms on them | Moen Flo Smart Water Monitor and Shutoff | Open the partner page through your carrier; terms are on the page | https://shop.moen.com/pages/shoreone-insurance ; https://shop.moen.com/en-ca/pages/auto-club-of-southern-california |
| Not an insurer: FPL Home WaterShield (Florida) | Monthly program at an introductory $19.99 that includes a Flo Smart Water Monitor and Shutoff with monitoring and a 'potential discount on your homeowner's insurance' that varies by carrier; $300 cancellation fee within four months of install; FPL Home is an unregulated subsidiary of Florida Power & Light, not Moen | Moen Flo | Florida residents only; enroll through FPL Home | https://www.moen.com/watershield |
Carriers with no public program page found (ask your agent)
| Insurer | Program or discount | Eligible devices | How to claim | Source |
|---|---|---|---|---|
| USAA | No public program page found in our October 2026 search; third-party roundups describe a connected-home credit; varies by state/agent | Unverified | Call USAA and ask whether a water shutoff or leak sensor qualifies for a protective-device discount | No primary source; not verified |
| State Farm | No public program page found; third-party roundups report device requirements in some California zip codes; varies by state/agent | Unverified | Ask your State Farm agent; request the requirement or discount in writing | No primary source; not verified |
| Liberty Mutual | No public leak-device program page found; varies by state/agent | Unverified | Ask your agent about protective-device discounts | No primary source; not verified |
| Travelers | No public program page found; third-party roundups mention device offers in eligible areas; varies by state/agent | Unverified | Ask your Travelers agent | No primary source; not verified |
| Allstate | No public leak-device program page found; varies by state/agent | Unverified | Ask your Allstate agent about protective-device discounts | No primary source; not verified |
| Erie | No public leak-device program page found; varies by state/agent | Unverified | Ask your Erie agent | No primary source; not verified |
| Hippo | No public leak-device program page found in our search; varies by state | Unverified | Ask Hippo whether its smart home program covers water shutoffs | No primary source; not verified |
| Lemonade | No public leak-device program page found; varies by state | Unverified | Ask Lemonade support | No primary source; not verified |
| Kin | No public leak-device program page found; varies by state | Unverified | Ask Kin support | No primary source; not verified |
Typical discount ranges
We only print numbers an insurer publishes. Nationwide's footnote lists 10% on water and theft coverages in California and 5% across perils in Washington for its smart home program. Mercury publishes a 25% device discount but not the premium percentage. Farmers says 'significant' and leaves it to the agent. Several third-party sites quote 5% to 15% ranges across the industry; those figures are not sourced to carriers and we do not repeat them as fact. Expect the discount to apply to the water-damage portion of the premium, not the whole bill.
How to document the install
Carriers want proof the device is on the main and active. What has worked for our customers:
- Keep the plumber's invoice. It should name the device, the model, the pipe size and the address. For a DIY strap-on like Flume, keep the order confirmation.
- Download the manufacturer's letter. Moen provides a free Flo Insurance Verification Letter under Settings in the Flo app or at the user portal; it states that the home's supply line is protected and monitored by the Flo Shutoff. Send it to your agent.
- Screenshot the app. A dated screenshot showing the device online, the valve open and the address is usually enough for carriers without a formal program.
- Keep it active. Nationwide removes the discount if the device is not activated within 55 days, and Mercury's discount continues only while the device stays active. Set a reminder to check the device after any Wi-Fi change.
- Ask for the discount in writing. Agents quote from memory; the declarations page is the record. If the discount is not on the renewal, call.
Which device to buy for the discount
If your carrier names a device, buy that one. Where no device is named, carriers generally recognize an automatic whole-house shutoff over sensors alone, because the shutoff limits the loss without anyone home. Our smart water shutoff valve roundup compares the four we recommend, and our Moen Flo vs Phyn Plus comparison covers the two inline units that appear most often in carrier programs. For point sensors, see the water leak detector guide.
Methodology
Every row in the first table links to a page published by the insurer, or by the manufacturer describing that insurer's program, that we read on or before October 30, 2026. We did not include claims that we could only find on plumbing-company blogs, affiliate roundups or forum posts; those carriers sit in the second table marked unverified, which means we could not find a primary source, not that no program exists. Percentages appear only where the insurer prints them. 'Varies by state/agent' means the source itself says so or declined to publish terms. We are a restoration contractor, not an insurance agency, and nothing here is a quote or a coverage opinion.
Frequently asked questions
How much is the homeowners discount for a smart water shutoff?
It depends on the carrier and the state, and most do not publish a number. Nationwide's smart home footnote lists 10% on water and theft coverages in California and 5% across all perils in Washington. Farmers says a significant discount without a figure. Mercury publishes a 25% device discount but not the premium percentage. Ask your agent for the figure on your policy and get it on the declarations page.
Do I need a shutoff valve, or do leak sensors qualify too?
Carriers with a formal program mostly name a flow-monitoring shutoff: Farmers names Moen Flo, Mercury and Amica use Flume (a meter monitor), Nationwide ships LeakBot and bundles Phyn. American Family's page refers to a smart water leak detector that shuts off the main. Standalone sensors without a valve rarely earn a published discount, though an agent may apply a protective-device credit. Ask before you buy.
Will my insurer see my water usage data?
The device data lives with the manufacturer, not the insurer, unless you enroll in a program that links the account. Nationwide states that data collected through its smart home program will not be used to deny a claim and that you own the device if you leave the program. Read the program terms; the device still protects your house whether or not the insurer is connected.
What if my insurer requires a leak detection system?
Farmers says that in some locations a leak detection system is required when it insures homes with older plumbing, and third-party reports describe similar requirements elsewhere that we could not verify. If your carrier sends a requirement, get it in writing, ask which devices satisfy it, and have a licensed plumber install an inline shutoff on the main. Keep the invoice and the manufacturer's verification letter for the file.
DryHomeLab is written and reviewed by the team behind HelpMeNow.com, a marketplace that connects homeowners with vetted local contractors for water-damage restoration, plumbing and waterproofing. Before HelpMeNow the same team ran a 24/7 water-damage restoration company in the Seattle area; the equipment on this site is what we specified, bought and ran on real water losses. We publish the rubric behind every score.
- Ran a 24/7 water-damage restoration company, Seattle area
- Operate HelpMeNow.com, a contractor marketplace
- Publishes its scoring rubric