Protect Your Home from Costly Water Damage with Smart Leak Detection
Your home and belongings are some of your most valuable investments and protecting them from unexpected damage is an important part of smart homeownership. One of the leading causes of property damage is water leaks, which can happen without warning and quickly turn into a stressful and expensive repair. Smart water leak detection helps provide an early alert when unusual water flow is detected, giving you the opportunity to act quickly before a small issue becomes a much bigger problem.
Mercury’s smart home insurance is designed to better protect homeowners from this common risk. Water losses can do more than damage floors, walls, and personal belongings. They can also disrupt your daily life by making kitchens or bathrooms unusable and, in more severe situations, forcing families to move out of their homes for months while repairs are completed. With smart water detection technology, homeowners can take a proactive step toward reducing the chance of major water damage and avoiding the inconvenience that often comes with it.
There is also a financial benefit to making this upgrade. In addition to getting a great value on smart home water detection products, homeowners may also save money on their insurance and possibly even reduce their water bill. It is a simple step that can offer added protection, greater peace of mind, and meaningful savings over time.
To further help protect customers from unexpected water damage, Mercury is also introducing a new water leak detection requirement for certain new homeowners policies. For policies effective May 29, 2026 and later, qualifying smart water leak detection devices must be installed on NEW HO-3 policies before the first renewal if the property is 30 years old or older and located in a high non-weather water risk territory, 50 years old or older with Coverage A of $2 million or more, 30 years old or older with Coverage A of $2.5 million or more, or has Coverage A of $3 million or more.
Qualifying devices include Whole Home Water Flow Monitoring, which continuously tracks water flow and sends real-time alerts when something unusual occurs; Smart or Centrally Monitored Leak Detection and Shutoff, which can automatically shut off water when a leak is detected; and Smart Point of Leak Sensors, which send an alert when water touches the sensor. For homes using point-of-leak sensors, at least two more sensors than the total number of bathrooms must be installed. Secondary or seasonal homes with a Coverage A limit of $2 million or more are required to install a smart or centrally monitored leak detection and shutoff device. In addition to helping avoid costly claims, customers may also receive a discount on their homeowners policy after a qualifying device is installed.
If you have questions about these requirements or want help finding the right leak detection solution for your home, contact our team today or click HERE to learn more. We’re here to help you review your coverage, understand your options, and make sure your home stays protected.