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Gear · What gear won’t do
What gear won’t do
Gear can catch some losses early or make them smaller. It doesn’t change what your policy covers.
- Fill a coverage gap. A leak sensor doesn’t add flood or water-backup coverage, and a dash cam doesn’t raise your liability limit. Guide #2 covers the gaps themselves.
- Guarantee a claim gets paid. Your policy language, the facts, and your documentation still decide that.
- Work without upkeep. Test alarms, replace batteries, and check that sensors still connect.
- Replace the free basics. A phone camera, a notes app, and knowing where your shutoff valve is cover a lot at no cost.
Education, not advice. We list product categories for general information; we don’t test, rank, or endorse specific products, and no device guarantees a claim outcome. When it matters, talk to your carrier or a licensed professional.