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.

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.

Insurers may offer discounts for:

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

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