Smart Water Monitor

Most major homeowners insurance carriers now offer discounts or deductible credits for installing advanced leak detection and automatic shutoff systems like Flo by Moen because the device demonstrably reduces the risk of costly water damage claims. Participating carriers commonly include State Farm, Allstate, Farmers, Liberty Mutual, Travelers, Nationwide, and USAA, though availability can vary by state and policy type. After installation, the Flo by Moen app automatically tracks your home’s water usage and safety status. In the app you can generate a personalized insurance letter that summarizes the device installation, serial number, and monitored protection features — this letter is designed specifically to share with your insurance agent or company. Simply export the letter (PDF or printable format) from the app, then submit it to your agent to ask for premium reductions or deductible credits, which many carriers will apply once they verify the system is installed and active.