According to the Insurance Information Institute (III), one out of every fifteen U.S. homeowners file a claim on their homeowner’s insurance each year, with the average claim totaling $9,779 and the annual premium, $1,132. But even if your insurance policy will cover all of the expenses resulting from your home’s damage or loss, you’re still left with the aggravation and inconvenience of dealing with repairs.   Take a look at the 3 most common home insurance claims, and how you can help prevent them with smart home tech:  

1. Water damage 

Many homeowners only consider water damage to their property as a result of a natural disaster or weather such as hurricanes, snow storms, etc. But homeowners also need to take precautions for non-weather-related damage to their home, such as burst pipes, accidental discharges of supply hoses, or other plumbing issues that can be just as damaging – and expensive. With smart home tech, however, you can help prevent disaster before it starts. 

Look for a smart water sensor with Z-Wave technology. Install this sensor near appliances that are likely to leak (such as washing machines or dishwashers), pipes that may burst or freeze, and other potential danger-spots, like hot water heaters. Certain smart sensors will detect the presence of water and send you a notification directly to your smartphone or tablet. This way, you can start taking action to stop more water from accumulating, so you’re not left with a flood—or an expensive insurance claim.  

Shop smart water sensors here from Z-Wave.com. 

2. Fire damage 

Having a fire in the house is undoubtedly scary—and it can also lead to some of the most expensive home insurance claims: III reports that the average homeowner loss due to fire is $43,983. But a with smart smoke detector with Z-Wave technology, you can help protect your home before a fire gets out of control.  

A smart smoke detector, like the First Alert Z-Wave Smoke/CO Alarm, combines smoke and carbon monoxide detection into one smart alarm. At the first detection of smoke or carbon monoxide, this smart device will send you an immediate notification to your smartphone, so, even if you’re not home, you can call the authorities to take action to protect your home before too much damage is incurred.   

Learn more about how you can help fight fire damage in this blog post.  

3.Loss due to theft 

Besides protecting your home from water or fire damage, you also need to take steps to fortify your home from burglaries, as loss due to theft comprises six percent of all home insurance claims.  

Fortunately, there are many different smart home devices that can help you safeguard your home from burglars.  

First, install a smart lock with Z-Wave technology. Because you can remotely check the status of your smart lock from anywhere in the world with your smartphone, smart locks give you the peace of mind to know that your home is always locked and secure. Some smart locks even come with anti-tampering technology, so you’ll get a notification if someone ever tries to compromise your lock.  

You can further fortify your home with smart lights. Going away on vacation? Program your smart lights to intermittently turn on and off to mimic your daily routine, so your house never looks empty (and easy prey) to would-be intruders. You can even connect your smart lights to smart motion sensors in your Z-Wave network: When someone trespasses on your lawn, the lights will automatically turn on, signaling burglars to flee.  

Find smart lights to fortify your house inside and out here

Filing home insurance claims is a long, aggravating, and expensive ordeal. Take precautions now to fortify your home with smart home technology, so you can avoid claims for water damage, fire damage, or loss due to theft. 

Find more Z-Wave tech to protect your home here.