Moen and Stand Insurance Link Smart Leak Detection to Premium Discounts

The partnership integrates the Moen Flo Shutoff device into Stand’s risk-modeling framework, allowing the insurer to identify and mitigate structural vulnerabilities before damage occurs. Policyholders who maintain the device—which monitors water pressure and flow rates to trigger automatic shutoffs during pipe bursts—will qualify for premium reductions. In older homes lacking recent plumbing renovations, activation of the device may even waive specific limited water endorsement requirements.

To facilitate adoption, Stand is introducing flexible procurement options for the technology. Homeowners can either purchase the system outright or opt for a 36-month contract starting at less than $25 per month. As the company expands into the Florida market, the first 500 policyholders to enroll will receive a $49 credit, effectively removing the standard activation fee. Dan Kahn, head of growth at Stand, noted that the industry has long lacked a mechanism to reward risk reduction, a gap this collaboration aims to close by making property protection a measurable factor in annual insurance costs.