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Moen and Stand Insurance Launch Program to Help Homeowners Cut Water Damage Risk and Insurance Costs

PR Newswire· July 8, 2026

Moen and Stand Insurance have announced a new partnership that integrates active leak detection and automatic shutoff technology directly into home insurance pricing. The program incentivizes homeowners to install the Moen Flo device by offering premium discounts and potential waivers for limited water endorsement requirements on older properties. This initiative aims to mitigate the financial impact of water damage, which currently averages over $15,000 per household loss, by shifting the insurance model from reimbursement to active risk prevention.

Moen, a leader in smart water solutions, and Stand, a home insurer specializing in catastrophe-exposed regions, have launched a program that pairs the Moen Flo Shutoff device with Stand’s insurance coverage. The Moen Flo system continuously monitors water pressure and flow rates, providing the capability to automatically shut off the main water valve if it detects a pipe burst or catastrophic leak. By integrating this precision technology into Stand’s property-level underwriting and risk-modeling framework, the companies aim to address structural vulnerabilities and prevent damage before it occurs. This marks the first time Stand has directly linked active leak detection to insurance pricing discounts.

The program offers direct financial benefits to policyholders who activate and maintain the device, including annual premium savings. In Florida, where Stand is currently launching, the first 500 policyholders to enroll will receive a $49 credit toward the subscription activation fee, effectively eliminating the standard cost for early adopters. Furthermore, the partnership provides a strategic solution for owners of older homes; those without recent plumbing renovations may have their limited water endorsement requirements waived upon activation of the Flo device, expanding coverage options for higher-risk properties. These incentives are designed to make the adoption of preventative technology seamless for homeowners.

According to Dan Kahn, head of growth at Stand, the initiative represents a shift toward insurance products that actively help homeowners prevent losses rather than just reimbursing them. Jeff Barnes, Vice President of Affinity Partnerships at Moen, emphasized that the collaboration provides a tangible way for policyholders to protect their most valuable assets using real-time technology. Stand’s approach is supported by its "World Model" physics-based analysis and is backed by major reinsurers including Arch, RenaissanceRe, and Hannover, signaling a broader industry trend toward tech-driven risk management in the property insurance sector. Stand underwrites policies issued by Concert Specialty Insurance Company and Stand Insurance Exchange, maintaining ratings from AM Best and Demotech.

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