Home Insurance Tools

by Jul 9, 2024

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Prevention Devices To Get in the Door!

It is no surprise with climate disasters happening across the country that insurance companies are very focused on preventing claims. Aging infrastructure of homes are under the microscope. This is especially important if you are buying or selling a new home, insurance companies are adding new requirements to implement coverage that you should be aware of. The list below can be beneficial in securing a comprehensive, affordable home insurance policy.

Aging infrastructure of homes are under the microscope

Home Insurance Tools - Shepard Insurance Group

Here is the future of insuring a new home:

Roof – warranties for roofs can last as long as 30 years, but getting an affordable insurance policy can become very difficult, if the roof on the home you are buying is more than 15 years old.

Water Shut Off – 40% of all homeowner claims are caused by inside water damage, due to leaks from plumbing. Insurers are insisting that a water shut off system be installed to prevent significant water damage. A water shut off system learns your water usage pattern and shuts off the main valve if it detects a leak or unusual/high level of use. This device does provide a credit on your home insurance premium.

Flo Smart Water Monitor | Flo Smart Water Shut Off | Moen

Electrical – hidden behind the walls of your home, your electrical service is probably the most misunderstood service in your home. Adding an inexpensive device like Ting Fire, will give you a real sense of any issues with your electrical system. This device pays dividends for homes that have been part of a renovation, where the electrical service has been extended.

Ting – Electrical Fire Safety, Simplified – Smart+Proactive=Prevention (tingfire.com)

Lightning Rod/Surge Protection – having a lightning rod to redirect a lightning strike is an important device. But additionally, it is not unusual to have an electrical surge that can fry your electric equipment like computers, TV’s and appliances. Adding an inexpensive surge arrestor can save you the aggravation of replacing electronics lost to power surge.

How does a lightning rod work? | INGESCO

GE GE PowerMark Gold 50-kA Indoor Surge Protective Device in the Whole House Surge Protectors department at Lowes.com

If you would like feedback on what devices are required or just smart to install drop Kyle an email at or call 203.698.9342 to get the full details.

Written by: Kyle Shepard

Kyle’s extensive sales and account management expertise transcends both Commercial and Personal Lines. Coupling that with his finance and life insurance licenses, Kyle serves as full service insurance agent for all of his valued clients. The goal for Kyle is to provide tailored risk management to address his client’s current and future exposures, and to optimize wealth preservation.

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