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April 15, 2025
This Simple Plumbing Hack = A Big Home Insurance Discount
Claim your home insurance discount by installing a whole home automatic water shut off valve. Discover why insurance providers love homeowners who install them.
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Last August, one of our team members saw his Dallas home insurance premiums double when he renewed. This isn’t surprising —we’re all looking for ways to save money on Dallas-Fort Worth homeowners’ insurance.
As North Texas insurance rates keep going up, DFW residents need simple solutions that reduce risk and lower their premiums. One of the leading reasons premiums keep going up? Water damage claims.
Our plumbing experts spoke to Jacobs Insurance Solutions, a Grapevine insurance agency that’s protected Texas homes for over 150 years. We also consulted with leading smart tech innovators about the products that drive insurance discounts in the Dallas-Fort Worth area.
They all told us one thing: installing a whole home automatic water shut off valve triggers a ton of Texas homeowners insurance discounts.
Mother Modern Plumbing is trained and certified to install Phyn Plus smart water shutoff valves in your Dallas-Fort Worth home.
Water Damage Is Driving Home Insurance Providers Out of Texas
North Texas is a nightmare for homeowners’ insurance. Customers pay too much for premiums, because providers are paying too much for claims. VIP Real Estate reports that average insurance payout for water damage in Texas is up to $15,000.
Hail damage, extreme weather and “acts of God” have sent claims skyrocketing — and many insurers leaving Texas altogether.
Progressive left Texas in fall 2024 — the latest in a string of major providers to exit the state. These exits left homeowners scrambling for new coverage, often at significantly higher costs.
“It’s gonna leave people uninsured or underinsured,” DeAnn Fraser told KVUE, “because they're gonna cut back on full coverage that they really need just to make it affordable.”
Water damage in local homes is directly responsible for these price hikes. Hail damage, shifting soil and old metal pipes all directly contribute to leaks and burst pipes.
Dallas insurance rates are $700 higher than they were 10 years ago
The major insurance companies that are staying in Texas are making prices unbearable — even for local homeowners who have lived here for generations.
NBC5 reports a 560% increase in double-digit insurance rate hikes since 2014. The average homeowner premium in North Texas has increased over $700 in that time.
If you’re going to lower the cost of DFW homeowners’ insurance, you need a way to prove you’re mitigating the risk of water damage.
Whole home automatic water shut off valves: your best line of defense
Imagine a smart device that senses a leak or burst pipe and automatically shuts off the water supply to your home. That technology would save you thousands in water damage and rising insurance premiums.
That’s precisely what a whole home automatic water shut off valve does.
These valves are installed on the main water line entering your home and monitor water pressure and flow. If unusual water flow activity is detected, the valve immediately closes.
Installing a smart water shutoff valve is a proactive step many DFW homeowners are taking to prevent massive home damage. Insurance providers look for this and other signs of plumbing risk mitigation, like underground leak detection.
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Insurance Agencies Love Automatic Water Shut Off Valves
There are some insurance rating factors you can’t control — such as the age of your home. Texas insurance companies love homeowners who mitigate the risks they can control.
Taking active steps to lower your risk makes you a more attractive candidate for homeowners’ insurance. Smart monitoring systems that prevent damage before it occurs are particularly appealing to your provider.
“Carriers are looking for a homeowner that is trying to mitigate risk,” explains Paxten Volbrecht, Director of Agency Operations at Jacobs Insurance Solutions. “An automatic water shut off valve will greatly mitigate water damage to the home.”
Smart water shutoff sensors are so valuable, your insurance agency will likely offer to lower your insurance premium when you install them.
Your smart water shut off valve = a $400-$500 insurance discount
Jacobs Insurance Solutions reports major insurance agencies offer sizable discounts when you install a whole home automatic water shut off valve.
“The highest [discount] I’ve seen so far is about $400-$500,” Paxten states.
Some vendors, like Chubb, also offer a percentage discount on the purchase cost of smart water shut-off sensors.
But it’s not just about the discount. Yes, the savings are nice — but the amount you’ll save on a potential home water damage claim is (literally) 100x that amount.
Since 2021, we’ve seen water damage claims in the $35,000-$50,000 range for repairs. That means just paying your deductible could be thousands. Plus all the time you’re left outside of your home.
These major insurance providers offer smart water shut off discounts
Our research team discovered 7 major insurance providers that publicly offer discounts to homeowners who install a whole home automatic water shut off valve:
Many insurance providers partner with specific smart water shut off manufacturers — for example, Nationwide, AIG, Amica and Chubb partner with Phyn Plus.
These partnerships allow insurance vendors greater control and oversight of the delivery and installation process. This gives them the confidence needed to approve your discounted rate.
How to Get Your Phyn Plus or Moen Flo Insurance Discount
The best whole home automatic water shut off valve products to lower your homeowners’ insurance are Phyn Plus and Moen Flo.
These products have direct ties to major insurance providers. There’s no guesswork involved — if you use these insurance companies, and you install these products, you’re probably entitled to a discounted rate.
Phyn Plus insurance discounts from 5 major Texas providers
Phyn Plus installation doesn’t just protect your home from water leak and burst pipe damage. It also triggers potential insurance premium discounts from 5 major Texas providers:
- Nationwide
- Chubb
- AIG
- Amica
- Liberty Mutual
The Phyn website lists 14 insurance discount partners — some don’t operate in Texas. Others have unique operations in our state, like American Family Insurance’s CONNECT program.
Check with your insurance agent to see if you’re eligible for a Phyn Plus installation discount.
App-based verification: Generate your Proof of Installation certification directly on the Phyn App, and have it emailed directly to your insurance provider.
Moen Flo insurance discounts from LiMu, State Farm and Farmers
Several Texas insurance carriers announced partnerships with Moen Flo smart water shut off valves that include discounts on homeowners’ insurance:
- Liberty Mutual
- State Farm
- Farmers Insurance
Discounts vary by provider and by state, so check directly with your insurance agent to see what you’re qualified for. Our research indicates most Texas residents covered by these companies are eligible for Moen Flo discounts.
Get your verification letter: Your insurance company may require a Moen verification letter from the plumber who installed your Moen Flo sensor product. Mother always provides verification letters when we install smart water shut off valves.
Turn An Insurance Nightmare Into A Manageable Claim
Even if your carrier doesn’t offer a direct discount for smart water shut off valve installation, you’re still in line to save tens of thousands of dollars from burst pipe damage — or more.
Paxten Volbrecht witnessed the value of a whole home automatic water shut off valve firsthand. One of her clients returned from vacation to find both floors of their home flooded — and an $800,000 damage assessment.
One smart water shut off valve from Moen Flo or Phyn Plus could have saved them over 97% of those losses.
“Water coverage is severely limited on insurance policies,” Paxten warns. “Install that automatic water shut off valve, so if you’re out of town [and] you have an app-based system, toggle a switch to turn that water off and you can rest worry-free.”
“And if water was to leak, and that [smart sensor] system works and detects the changes, maybe it’s only a $20,000 loss.”
Mitigate Risk, Save Money — Install a Smart Water Shut Off Valve
Whole home automatic water shut off valves save North Texas homeowners money on pipe damage, water leaks and insurance claims.
Major insurance providers also offer discounts on homeowners’ insurance when you install a trusted system like Phyn Plus or Moen Flo.
Our expert plumbers spent hours training with the smart water sensor pros at Phyn Plus. We’re fully certified to install their automatic shut off valves in your home.
Let’s deliver you peace of mind — and lower your insurance payments while we’re at it.
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