Universal Requirement for Homeowners to Install Smart Auto Shut-off Valves in Nevada
Insurance carriers do not have a universal requirement for homeowners to install smart auto shut-off valves in Nevada, but many are beginning to mandate them for high-value homes, older plumbing systems, or to avoid policy non-renewal following previous losses. While not always legally mandated by the state, they remain a top method to prevent extensive water damage. [1, 2, 3, 4]
Does Nevada Require Them?
State Regulations
There is no statewide mandate requiring homeowners to install smart water shut-off valves.
Carrier Requirements
Whether you need one depends entirely on your specific home insurance underwriter. High-end homes, properties with past water claims, and secondary/vacation homes are the most frequently targeted for these requirements.
Why Insurers Push for Them
Requiring Devices
Making shut-off valves a prerequisite for issuing or renewing a policy on at-risk homes.
Compare the Best Whole Home Smart Water Shutoffs
Smart water shutoff comparison: product specs
| Specification | Phyn Plus 2nd Gen | Moen Flo |
|---|---|---|
| Connectivity | Wi-Fi (2.4 GHz) | Wi-Fi (2.4 GHz) |
| Electrical requirements | GFCI outlet within 12 ft (cord included) | Standard outlet (100–240VAC) within 10 ft, continuous power |
| Device size | 8.5″ × 4.4″ (11″ × 4.4″ with ends) | 8.58″ × 2.6″ (4.46″ wide with spacer) |
| Sensor technology | Ultrasonic flow sensors | Mechanical turbine |
| Warranty | 2-year limited | 1-year limited |
Smart water shutoff comparison: product features
| Feature | Phyn Plus 2nd Gen | Moen Flo |
|---|---|---|
| Smart home integration | ✓ Alexa, Google Home | ✓ Alexa, Google Home |
| Companion sensors | Phyn Smart Water Sensor pucks | Moen Smart Leak Detectors |
| Water monitoring reporting | Hourly, daily, weekly, monthly | Daily, weekly |
| Leak alert method | App push notification | Robocall + app notification |
| Water use diagnostics | By fixture type | Unusual usage (not by fixture) |
| NSF/ANSI certified | ✓ | ✓ |
| Monthly subscription | None | Optional FloProtect ($5/mo) |
| Alarm system compatibility | No | ✓ Alarm.com, Nice |
| Customer support hours | Mon–Fri, 8am–5pm PST | Mon–Fri, 8am–7pm EST |
Smart water shutoff comparison: insurance carrier adoption
| Insurance Carrier | Phyn Plus 2nd Gen | Moen Flo |
|---|---|---|
| AIG | ✓ | - |
| American Family | ✓ | ✓ |
| Amica | ✓ | ✓ |
| Bamboo | ✓ | - |
| Chubb | ✓ | ✓ |
| Farmers Insurance | ✓ | ✓ |
| Liberty Mutual | ✓ | ✓ |
| Nationwide | ✓ | ✓ |
| Pure Insurance | ✓ | - |
| State Farm | ✓ | - |
| Travelers | ✓ | ✓ |
| Total Carriers | 11 carriers | 7 carriers |
If you’ve received a non-renewal notice, are shopping for a new carrier, or are currently on the FAIR Plan, ask your agent whether a certified smart shutoff installation affects your eligibility or premium — before purchasing a product, so you choose the one your carrier recognizes.
How to Confirm Your Status
Check Your Policy
Review your recent declarations page or contact your insurance agent to see if your carrier has specific plumbing or water mitigation requirements.
Shop Around
If your current carrier is forcing an expensive valve installation on a standard home, you can shop around using the Nevada Division of Insurance to compare policies.
Qualifying products from SNWA
for Leak Detection Rebate
Flo by MOEN
Flume
Flume 2 Smart Water Home Monitor
(Please note: Flume devices are not compatible with newer meter technology that will be deployed across the valley over the next few years. We are unable to provide an exact timeframe for when the product may become incompatible.)
Kohler H2Wise & H2Wise
Smart Water-Monitoring System
Phyn
Phyn Smart Water Assistant and Phyn Plus Smart Water Assistant + Shutoff
