While device discounts are currently limited to Ohio, The HomeOwners Flex Policy Premium Discount is active in several states. If you already have a water protection device or purchase outside of the program you may still be eligible for a Policy Premium Discount, please contact your Agent for details… and Stay Tuned for more information on the Connected Home Program.
Little leaks can lead to a lot of damage, causing an average of more than $10,000* in losses—and, of course, a flood of headaches and hassles for homeowners.
That’s why we’re launching the American Modern® Connected Home Program; helping eligible and enrolled policyholders save their homes from water damage with SmartHome technologies, and they could save on their insurance bill through discounts, too!
At American Modern, we’re always looking for new and innovative solutions to protect and reward customers. Through the Connected Home Program, we are committed to help customers limit loss and disruption by leveraging Smart Home technologies.
With an average loss of more than $10,000 per incident, water damage can be devastating. But through partnerships with technology providers, we want to help you limit loss through the detection of leaks before they become disasters. These partners are making available detection devices (many are compatible with your existing Smart Home technologies and assistants!) that are designed to help keep your home dry—and your wallet full. If your home isn’t yet smart, this program provides a great opportunity to get started protecting your house with both device discounts and policy premium discounts.
Our partnerships let you choose the best devices and solutions for your situation. Many of these partners are offering discounts to eligible American Modern policyholders, too.
In addition to device discounts, American Modern is offering policy premiums discounts to eligible Homeowners FLEX® policyholders who purchase and install one of these solutions through this program. Discounts are tiered and depend on the type of device chosen.
The Water Detection Program is currently available on a limited basis, with plans to expand to other policy types and other states. And water and leak detection is just the beginning of the American Modern Connected Home program: Stay tuned as we launch more capabilities.
Cell Enabled
Wifi Enabled
Water Shutoff
DIY Installation
These products are designed to detect the presence of water wherever they’re placed. A notification is then pushed to your smart device through a technology providers’ app, alerting you that water has been detected, which sensor is reporting, and that action should be taken. These sensors are typically placed near plumbing fixtures and appliances, including water heaters, washing machines, sinks, toilets, tubs, showers, etc.
Many of these devices have additional sensing capabilities, including temperature and humidity. This data is reported through the technology provider’s app and alerts can generally be configured on these conditions, too.
These monitors can be professionally or self-installed in one location in the house. Utilizing vibration, sound detection, and ultrasonic pulses, the devices are designed to detect how much water is being used and, in some cases, to which fixture. Anomalies may indicate a leak somewhere in the home. All usage patterns are generally published to a dashboard—this could not only notify you of a potential leak but also lets you analyze water usage to identify ways to conserve (and potentially save money on your water bill!).
These devices are also either professionally or self-installed at a home’s main valve. When paired with a leak detector or through recognizing anomalies, the main-water supply to the house can be shut off automatically, long before leaks become disasters. Because these devices are designed to do more than simply alert homeowners to the presence of a problem, policy premium discounts tend to be greater.
These next-generation sump pumps and sump sensors are placed into sump pits and designed to detect and measure water levels in real-time. Notifications are sent if the pit is filling above acceptable levels.
These products are designed to detect the presence of water wherever they’re placed. A notification is then pushed to your smart device through a technology providers’ app, alerting you that water has been detected, which sensor is reporting, and that action should be taken. These sensors are typically placed near plumbing fixtures and appliances, including water heaters, washing machines, sinks, toilets, tubs, showers, etc.
Many of these devices have additional sensing capabilities, including temperature and humidity. This data is reported through the technology provider’s app and alerts can generally be configured on these conditions, too.
These monitors can be professionally or self-installed in one location in the house. Utilizing vibration, sound detection, and ultrasonic pulses, the devices are designed to detect how much water is being used and, in some cases, to which fixture. Anomalies may indicate a leak somewhere in the home. All usage patterns are generally published to a dashboard—this could not only notify you of a potential leak but also lets you analyze water usage to identify ways to conserve (and potentially save money on your water bill!).
These devices are also either professionally or self-installed at a home’s main valve. When paired with a leak detector or through recognizing anomalies, the main-water supply to the house can be shut off automatically, long before leaks become disasters. Because these devices are designed to do more than simply alert homeowners to the presence of a problem, policy premium discounts tend to be greater.
These next-generation sump pumps and sump sensors are placed into sump pits and designed to detect and measure water levels in real-time. Notifications are sent if the pit is filling above acceptable levels.