mobile domain:www.usaa.com
Skip to Content

Save smarter with Connected Home.‍ ‍

To help you protect your home, we’ve partnered with Roost® and Resideo, leading smart home technology providers.

Browse device kits

Have devices? Start enrollment

What's Connected Home?

It’s a discount program that rewards you for using smart home devices. 

Just connect at least two water leak detectors from Roost or Resideo and start sharing data with us. We’ll give you a discount on your USAA Homeowners Insurance.‍ ‍ See note 1

You can also get mobile alerts about potential incidents and prevent serious damage before it happens. And you can add more devices from there.

Safeguard your home with these devices.

Water leak detectors

Place them near toilets, sinks, dishwashers or water heaters and detect leaks before there's serious damage.

Smart thermostats

Control your home's temperature from anywhere, boost energy savings and help protect against freezing pipes.

Alarms and alerts

Get an alert if an intruder breaks in, a smoke detector goes off or a fire alarm starts ringing.

Shop for devices through USAA Perks®.

Roost

Limited time offer: Get a free home security kit and professional monitoring for $15.99 per month with a 3-year contract. This package is usually $20.99 per month.‍ ‍ See note 2 Water leak detection is required.

 

Included alarms and alerts:

  • Smoke and fire
  • Burglary
  • Wi-Fi and power outage
  • High temperature
  • Freeze detection
Shop Roost (Opens new window)

Resideo

Choose from a variety of device kits ranging from $104 to $349 and self-monitoring with no monthly fee. Water leak detection is required.

 

Optional alarms and alerts:

  • Wi-Fi and power outage
  • High temperature
  • Freeze detection
Shop Resideo (Opens new window)

Smart home early warnings help prevent costly damage. 

According to the Insurance Information Institute, between 2018 and 2022, water damage and freezing claims cost homeowners an average of nearly $14,000 (Opens new window).

Smart home devices can help you save thousands in repairs and avoid the hassle of filing a claim.

You can use devices you already own.

If you already have eligible Roost or Resideo devices, you can use them. You just need two water leak detectors to get started.

Make sure your devices are set up on their manufacturer’s app. Then enroll in Connected Home and start sharing data from your devices with USAA.

Start enrollment

Get help with setup

How it works

First, you'll need a USAA Homeowners Insurance policy. If you don't have one, you can get a quote for homeowners insurance.

Steps to complete How it works

  1. Devices

    Install and connect at least two water leak detectors using the manufacturer’s app for the discount.

  2. Enrollment

    Confirm that your devices can connect to Wi-Fi. Then it only takes a few minutes to enroll and sign a participation agreement.

  3. Data Sharing

    After you enroll, choose the option to share data with USAA and get your homeowners policy discount.

Connected Home FAQ

Yes, you can sign up as many homes as you have USAA Homeowners Insurance policies for. Each home must be in an eligible state and share data from at least two water leak detectors.

You'll need Wi-Fi at the home you’re enrolling. And you’ll need a smartphone with an operating system of iOS 10, Android 6 or higher. 

In most states, we don’t apply the Connected Home discount and the Protective Device Credit at the same time.

If you’re eligible for both, we’ll apply the Connected Home discount since it’s the larger of the two.

If you’re eligible for the Sprinkler Discount, you can receive it along with the Connected Home discount.

Roost and Resideo will share device usage data with us for all devices connected to your app. This won’t include any audio, video or still images.

We’ll use the data internally to improve our offerings and better serve USAA members. We’ll never share your data with third-party or marketing companies.

We take your privacy seriously and will always work hard to protect your data. For more information, read the USAA Privacy Promise.

Related resources

Save on homeowners insurance with smart home devices

Article: 7 minutes

Read article: Save on homeowners insurance with smart home devices

Tools and tips to avoid costly household water leaks

Article: 5 minutes

Read article: Tools and tips to avoid costly household water leaks

Related footnotes:

  1. IN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.

Related footnotes:

  1. The United Services Automobile Association (USAA) Connected Home program is optional. Must have an active USAA Homeowners Insurance Policy and agree to share data from connected home devices to receive discount. Smartphone, eligible connected home devices, and download of the applicable vendor’s app also required. Savings may vary. This program is only available in select states. Program availability and state restrictions apply. In most states, we don’t apply the Connected Home discount and the Protective Device Credit at the same time. If you’re eligible for both, we’ll apply the Connected Home discount since it’s the larger of the two.

  2. Receive the USAA offer on a Roost Security360 system with 24/7 professional monitoring. USAA members and customers will need to sign a 36-month monitoring agreement. Monthly fee includes professional monitoring and the full Security360 system: One (1) SmartBase, one(1) Keypad, one (1) Motion Sensor, one (1) Smoke Alarm Listener, two (2) Water Leak/Temp Sensors, three (3) Entry Sensors and two (2) Window Decals. Early Termination fees apply. Early Termination fees by year: Year 1: $400, Year 2: $200, Year 3: $100. Roost Terms of Sale and all other applicable Roost Terms and Conditions apply.

  3. Discount is calculated on select policy coverages. Restrictions may apply. In most states, we don’t apply the Protective Device Credit and the Connected Home discount at the same time. If you’re eligible for both, we’ll apply the Connected Home discount since it’s the larger of the two.

Related footnotes:

  1. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

  2. USAA Perks is available to all members of USAA Membership Services and customers with a USAA number. Purchase of a USAA Insurance product is not required.

  3. The USAA Perks program is provided through USAA Alliance Services LLC, a wholly owned subsidiary of USAA. USAA Alliance Services contracts with companies not affiliated with USAA to offer their products and services to members and customers. USAA Alliance Services receives compensation from these companies based on the sale of these products or services. When you purchase a product or service from one of these companies, that company is responsible for protecting your data and its processes and procedures may differ from those of USAA. These companies have sole financial responsibility for their products and services.

  4. Homeowners insurance provided by United Services Automobile Association, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, San Antonio, Texas. Each company has sole financial responsibility for its own products.

    Coverages subject to the terms and conditions of the policy.

  5. © 2025 Resideo Technologies, Inc. All rights reserved. The Honeywell Home trademark is used under license from Honeywell International Inc. These products are manufactured by Resideo Technologies, Incorporated, and its affiliates.

  6. The trademarks, logos and names of other companies, products and services are the property of their respective owners.

5855235