Does Your Home Meet California's New Insurance Requirements?

Does Your Home Meet California's New Insurance Requirements?

Several California insurance companies are now requiring or strongly incentivizing the installation of automatic water shut-off valves and/or smart water monitoring systems on wells, primarily to reduce water damage claims and associated costs.

Insurers like Farmers, Mercury Insurance, and State Farm are implementing these policies, especially for high-value homes or those with older plumbing.

View Recent News About These Requirements

Farmers Insurance: Farmers Insurance is known to require water shut-off valves for homes with older plumbing or those with high replacement values.
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Mercury Insurance: Mercury offers rebates and incentives for homeowners to install smart water monitoring systems.

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State Farm: InterWest Insurance Services reported that State Farm has expanded its requirement for auto shut-off valves in California, specifically for homes with replacement costs between $2 million and $4 million.

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Other insurers are also planning on adopting similar strategies, with some requiring auto shut-off valves for homes with older plumbing or high replacement values. There are multiple reasons for these requirements, but are mainly driven by the high cost of water damage claims and the potential for significant water loss during droughts or other events.

Additional benefits of Smart Water Monitoring and shut off valves exist besides the insurance requirements. These devices can detect leaks early, automatically shut off water supply, and help homeowners reduce water usage and costs.

Get Compliant — Fast, Easy Installation of Insurance-Approved Smart Shutoff Systems

Smart Leak Protection makes it easy to get compliant — and protected.

✔ Remote shutoff + 24/7 leak monitoring

✔ Installed by licensed professionals
✔ Approved by major insurers

What’s Included in Your Package?

Here’s everything that’s included in your compliance package:

  • Certified Smart Shutoff Valve Installation
    Our technician installs the Moen Smart Water Shutoff — a top-rated, insurer-approved device — directly on your home’s main water line.

  • System Activation & App Walkthrough

    We help connect your system to WiFi and walk you through the Flo by Moen app for remote monitoring and control.

  • Insurance-Ready Documentation

    We provide the paperwork and photos your insurance company may require for verification.

  • Optional Monitoring & Response Plans Available

    Get peace of mind with 24/7 monitoring and emergency response. Plans start at $20/month.

This is a high-precision, professional installation with a product designed to give you peace of mind and proactive protection — whether you're a homeowner, Airbnb host, or managing a second property remotely.

Why Smart Leak Protection?

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We Can Install A Permanent Real-Time Monitoring System

Powered by Moen Smart Water Technology for precise, non-invasive leak detection & monitoring.

  • Fast Scheduling – We’re a local Mendocino-based team with licensed installation partners

  • Reliable Coverage – Flo by Moen detects leaks as small as a drop per minute

  • Automatic Shutoff – Stops leaks instantly before major damage occurs

  • Insurance Discounts – Many policies offer savings or require these units on new plans.

You also have the option to enroll in one of our monitoring plans, which connect your monitoring system to our 24/7 dispatch office for rapid response in the event of a leak or issue. Premium plans also include annual site inspections, and for clients concerned about water quality, we also offer lab-grade water testing as part of our annual inspections.

Leak Detection • 24/7 Monitoring • Priority Plumbing Response • Founded in Mendocino, California

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