Water damage is one of the most common and expensive homeowners insurance claims. That’s why some insurance companies now reward homeowners who install water leak detection or automatic water shutoff devices. If you’re thinking about a smart water shutoff for your Charleston or Lowcountry home, here’s what to know about possible insurance savings.
Do South Carolina insurers offer discounts?
Some do. For example, Amica’s South Carolina home insurance page lists a discount for homes with a water leak detection system, and SC Farm Bureau Insurance runs a home protection savings program tied to these devices. Discounts and eligibility vary by company, policy and device, so the only way to know your savings is to ask your agent.
Questions to ask your insurance agent
- Do you offer a discount for water leak detection or an automatic water shutoff device?
- Does the device need to shut off the main water line automatically, or is a leak sensor enough?
- Are specific brands required, such as Moen Flo or FloLogic?
- Does the device need professional installation or monitoring?
- What proof do you need, such as an invoice, photos or a certificate?
Leak sensor vs. automatic shutoff
A simple leak sensor beeps or sends an alert when it gets wet. An automatic shutoff valve goes on the main water line and turns the water off by itself. Insurers that offer the larger savings often look for automatic shutoff, because it stops the damage even when nobody is home.
Insurance savings are a bonus
Even without a discount, avoiding one water damage claim can save you a deductible, a higher premium at renewal, and weeks of repairs. That’s especially true for second homes, rentals and homes with older plumbing.
We provide the paperwork
When ALL Plumbing installs a FloLogic or Moen Flo system, we give you installation details you can send to your insurance company. See our smart water shutoff installation services or call 843-761-8002 for a recommendation.