Yellow caution sign with a black exclamation mark inside a triangle.

Safety Domain

Improving health, preventing mishaps, and reducing hazards for people and property.

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S.H.O.(t)²® homes qualify for insurance incentives by using smart tech to prevent mishaps and improve hygiene.

In the Safety domain of the A.T.O.M. Framework, smart technologies help you prevent the kind of “silent” problems that turn into major claims—especially water damage, which can quickly rack up thousands of dollars in repairs when leaks go unnoticed. Smart leak sensors paired with an automatic whole-home shutoff valve can alert you instantly (and even stop the flow), reducing the risk of mold, electrical hazards, and costly remediation (a-b).

Many insurers encourage these protective upgrades with premium discounts that commonly fall in the ~3–10% range (c), depending on the carrier, state, and device/program eligibility. Beyond risk reduction, smart safety also elevates daily wellness—think UV HVAC filtration to support cleaner indoor air and touchless faucets to reduce germ transfer in kitchens and bathrooms. Together, these upgrades make the case for S.H.O.(t)²®: a clear, confidence-building standard that signals a home is not only smarter, but safer, healthier, and more insurance-friendly.

A smartphone displays a water leak detection alert, indicating a water leak at a valve. The background shows water leaking from a pipe with a smart shut-off system highlighted in yellow, emphasizing a water leak during a water leak warning.
A person holding a smartphone displaying a water leak warning notification. In the background, a kitchen sink is leaking water beneath it. The image includes digital overlay text indicating a leak detected under the kitchen sink.
A UV air filtration system with a glowing blue UV light tube inside a metal enclosure, emitting blue rays, with a caution icon and text indicating it kills germs and improves air quality.

Health and hygiene highlights:

  • Improved air quality from UV filtration

  • Reduced the spread of germs via touchless faucets

Smart safety feature can avoid thousands in water damage and may reduce insurance premiums by 1-13% ($200-400yr) depending on the location and carrier

Safety domain offers:

  • Reduced risk of water damage and other hazards.

  • Improved indoor health and hygiene.

Disclaimer

Insurance discounts and incentives vary by carrier, policy type, and location. Check with your insurance provider for eligibility.

Smart smoke detector with warning lights and alerts, a smartphone showing smoke detection notification, and a kitchen with a fire caused by cooking, illustrating fire safety technology.

Insurers may offer discounts for:

Smart leak detection and shut-off valve (main water line)

Person washing hands at a touchless stainless steel kitchen faucet with a blue indicator light, with an overlaid warning about reducing the spread of germs.
Screenshot of a whole-home fault detection monitoring app displaying a house diagram with electrical wiring details, voltage level of 120.01 volts, no hazards detected, and power outage info indicating the closest outage 3 miles away.

References

a) Consumer Reports. (2018, July 7). 5 home improvements that can save you money on homeowners' insurance. https://www.energystar.gov/products/heating_cooling/smart_thermostats/smart_thermostat_faq

b) Schlichter, S. (2024, February 20). Smart-home devices could save you money on home insurance. NerdWallet. https://www.nerdwallet.com/insurance/homeowners/learn/smart-home-insurance-discount

c) USAA. (n.d.). Connected home program: Smart home discounts. Retrieved December 28, 2025, from