Let’s be honest—half the reason you bought that smart leak sensor or Ring doorbell was because it sounded cool. But what if I told you that same gadget could also help you avoid major damage and save money on your insurance?

At Abbott Insurance, we work with carriers that reward smart homeowners—literally. So if you’ve upgraded your home tech in the last year or two, you might be missing out on discounts you already deserve.

Here’s what we’re seeing in the Kansas City market right now when it comes to smart home devices and insurance risk.

Leak Sensors: A $60 Sensor That Could Save You $10,000

Water damage is brutal—and it’s one of the most common reasons people file home insurance claims. But if you’ve got a leak sensor under your water heater or sink, you can catch problems before they become disasters.

Where to place them:

• Near your water heater
• Under kitchen or bathroom sinks
• In the laundry room near washer connections
• Around basement sump pumps

Why carriers care: Water damage is one of the most common and expensive home insurance claims. Catching it early keeps both your home and your homeowners insurance in better shape.

Freeze Sensors: Because Kansas City Winters Can Be Wild

Frozen pipes are a huge risk here—especially during those surprise cold snaps in January. Freeze sensors can alert you before your pipes become a headline in your group text.

If you’ve got one in your crawlspace or near vulnerable plumbing, mention it. Some carriers quietly reward this kind of prevention, especially on homes with older systems.

Smart Plugs: No More “Did I Leave the Iron On?” Moments

Smart plugs let you cut power to appliances from your phone. They’re cheap, easy to use, and reduce the risk of accidental fires. Some even integrate with voice assistants or apps like Google Home or Amazon Alexa.

Pro tip: If you manage a rental property, these little plugs can help reduce liability.

Smart Lighting: Simple, Cheap, Effective

Lighting deters burglars and prevents slips and falls. Whether you’re using motion-activated lights outside or timed lighting when you’re on vacation, it’s a smart way to protect your home.

Outdoor lighting can also reduce fall risk—especially for delivery drivers, service workers, or guests—helping reduce your exposure on a personal liability claim.

Let’s Make Sure You’re Getting the Credit You Deserve

Even if your policy was written last year, it might not reflect everything you’ve done to protect your home. Some carriers are offering discounts for smart home devices—but only if we ask.

We’ll help you:

• Review your upgrades and check for smart home discounts
• Make sure you’re not under- or over-insured
• Compare pricing across multiple carriers

We make it easy—and we’ll explain everything in plain English.