Amica Insurance, a Rhode Island-based mutual insurer, is expanding its relationship with Flume to offer eligible home insurance policyholders free smart water monitoring in an effort to prevent costly water damage claims.
Under the programme, qualifying customers in participating markets can receive a Flume Smart Home Water Monitor at no cost, alongside three years of leak monitoring funded by Amica. The device attaches to a property’s existing water meter and can be installed without modifying household plumbing.
Water damage is a significant source of homeowners insurance losses. Amica said one in every 60 policyholders experiences a non-weather-related water loss each year, with the average claim exceeding $21,000.
The programme is designed to identify issues before they develop into larger losses. Common sources of water damage include frozen pipes, dripping taps and overflowing sinks or baths.
Flume’s technology monitors water activity throughout a property and sends alerts to a mobile app when it detects unusual consumption. The system can identify issues including running toilets, dripping fixtures and more serious plumbing failures.
Eligible customers receive one monitor per property, three years of leak detection and notifications, real-time alerts through the app, monitoring for concealed leaks and plumbing problems, and insights into household water consumption.
Founded in 2015 and headquartered in San Luis Obispo, California, Flume works with homeowners insurers, water utilities and Fortune 500 companies. The company says its technology protects hundreds of thousands of US homes and processes trillions of data points each year.
A recent study of insurance carriers found that homes equipped with Flume experienced a 60% reduction in water damage claim frequency and a 24% reduction in claim severity. Of confirmed leaks identified by Flume, 83% would otherwise have remained hidden for longer, while 77.5% were detected within a day.
Amica was founded in 1907 and is the oldest mutual car insurer in the US. The company has $6.3bn in assets and more than 3,500 employees, and holds an A+ financial stability rating from AM Best. It has also appeared on Forbes’ list of America’s Best Insurance Companies for six consecutive years.
The offer is limited to participating markets, with eligibility and enrolment information sent directly to qualifying customers. Policyholders outside the programme may still be able to purchase a Flume device at a reduced price through the partnership.
Amica chairman, president and CEO Ted Shallcross said, “At Amica, we’re committed to helping our customers protect what matters most. By offering this service to our policyholders, we’re providing a simple, proactive way to identify potential water problems early.”
Flume founder and CEO Eric Adler added, “We’re excited to support Amica’s commitment to helping policyholders prevent water damage before it happens. Early leak detection is one of the most effective ways to reduce water damage risk. By combining real-time monitoring, advanced analytics and proactive homeowner engagement, we’re helping homeowners identify problems sooner and avoid costly repairs.”
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