Moen Flo vs. Insurance – What’s Cheaper?

flood vs no flood

“That’s What Insurance Is For…” Right?

That’s what many homeowners say—until the bill comes in.

When it comes to water damage, insurance doesn’t cover everything, and it definitely doesn’t cover the hassle of:

  • Ruined family heirlooms

  • Mold remediation

  • Weeks of home repairs

  • Displacement from your home

Let’s break it down: What’s cheaper—protecting your home with a smart shutoff valve, or cleaning up a flood?

The True Cost of Water Damage

  • Average water damage insurance claim: $13,467

  • Average deductible: $1,000–$2,500

  • Out-of-pocket costs: Time lost, unreimbursed repairs, higher premiums next year

And remember—many policies won’t cover damage from “maintenance issues,” like old pipes or failed washing machine hoses.

The Cost of Moen Flo Smart Protection

  • Device: ~$500

  • Professional Installation: $500–$1,000

  • Monitoring via app: FREE

  • Insurance Discount: Often 5–10% off your homeowner's policy annually

Total investment: $1,000–$1,500 (one-time cost)
That’s less than the average insurance deductible for one emergency—and it protects your entire home 24/7.

Homeowners Ask Us: “Does This Really Work?”

Yes. Moen Flo works like a plumbing watchdog that never sleeps.
It:

✅ Detects leaks (even pinhole ones)
✅ Tracks water usage and pressure
✅ Alerts you via smartphone
✅ Shuts off water automatically to stop damage

Real Life: $1,200 Moen Flo Install vs. $22,000 Basement Flood

One Denver homeowner installed Moen Flo after their neighbor suffered a catastrophic basement flood. That $1,200 investment now qualifies them for an annual insurance discount—and gives them control of their home’s water from anywhere in the world.

Why Mr. Perfect Plumbing?

We’re certified Moen Flo pros. That means your installation is fast, seamless, and backed by our No Surprise Price Guarantee.

We don’t upsell—we protect what matters most.

The Verdict?

Moen Flo is an investment. Insurance is a backup.
Together, they’re powerful—but protection always beats cleanup.

🔧 Ready to Get Smart About Water?

📞 Call us or book online for a free consultation.
💬 Ask about our current Moen Flo installation specials and insurance documentation support.