At $475,700 and 76.4% ownership, Oro Valley households have a lot to protect and a good deal of it is lost to water rather than fire. The cheapest protection is a device, not an endorsement.
Water is the most frequent serious homeowners claim. Detection is the only cover that prevents the loss rather than paying for it.
Three things about the loss most likely to actually happen.
Across residential insurance, non-weather water losses are among the most frequent and most expensive claims. A supply line failing while a household is out for the day can run for hours. Nothing about the house being well maintained prevents a hose or a fitting from failing.
A sensor that alerts you, or an automatic shutoff that closes the main when it detects flow where there should be none, turns a catastrophic loss into a minor one. Several carriers now discount for them, and the discount is secondary to the fact that the claim does not happen.
Avoiding a claim preserves a loss-free discount and keeps the property’s claims history clean, which affects pricing for years. The device is cheap; the effect of not needing it is larger than the discount itself.
Reducing the loss rather than insuring more of it.
Many do now, and it is rarely volunteered.
The free version of the same protection.
An empty house is where a small leak becomes a large one.
Tell us whether the house has any leak detection and how often it sits empty.
We look for the discount and tell you what prevents the claim entirely.
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