Spring Improvement Projects That Reduce Your Home Insurance Premium

With the arrival of spring, you might be itching to start home improvement projects. Certain ones can reduce your home insurance costs, so consider focusing on those as you save money and improve your home. 

Replace Washer Hoses

An inexpensive no-burst stainless steel hose from your local hardware store can reduce your home insurance premium by 10 percent. Attach it to your washing machine and reduce one of the most common causes of water damage.

Install a Sturdy Garage Door

Because strong seasonal winds and other stormy weather can destroy your garage door and everything in this structure, install a sturdy garage door. One that's hurricane-resistant or fitted with horizontal and vertical braces can save you 10 percent on your insurance premium and potentially pay for itself within five years.  

Hang Storm Shutters

Wind-resistant shutters could reduce your insurance costs by as much as 20 percent, and they're particularly important if you live in a hurricane zone. Both metal and roll-down shutters protect your home.  

Purchase Trouble Detectors

Smoke and carbon monoxide detectors are two investments that reduce your home insurance premiums, but consider other trouble detectors, too. They provide plumbing failure warnings, detect furnace failure or alert you to frozen water pipes. Find leak detectors and other trouble detectors online or at your local hardware store. 

Invest in Fire Extinguishers

For a savings of five percent, invest in fire extinguishers. Place one in the kitchen and on every floor or your home.  

Choose Fire-Resistant Siding

Save 20 percent on your insurance premium and give your home a new exterior appearance when you install fire-resistant siding. Metal, clapboard, fiber-cement and clapboards are all Class A fire-resistant materials that are available in a variety of colors and finish styles that meet your needs. 

Replace Your Roof

Because worn shingles on your current roof won't do much to protect your home when windy weather arrive, consider replacing your roof. Select sturdy roofing materials like metal, shake or Class 4 modified asphalt shingles. Use six instead of four staples or nails per shingle for additional savings. 

These spring home improvement projects can decrease your premium. You'll also save money when you drop additional structure coverage, increase your deductible, make automatic payments and combine home and auto policies. Discuss the details with your insurance agent as you save money and protect yourself this season and throughout the year.   

Need insurance for You, Your Family or Your Business?
We can match you to a qualified, local insurance expert!
Further Reading
Just as one might use a CPA to prepare their income taxes or an attorney to help them with their estate planning, many choose to use an insurance agency to write their insurance policies. This choice is mainly made because a person feels they need pr...
Your business insurance value has no relation to your policy premium or your policy premiums, the value of your insurance portfolio related directly to the risks you insure against. If you are not an insurance expert, it is important for you to meet ...
When you're buying Life insurance, losing a few extra pounds could save you big dollars - money that you could apply to pay for the policy or increase the amount of coverage. Here's why: According to two recent nationwide polls, more than 35% of A...
When you're buying Life insurance, losing a few extra pounds could save you big dollars - money that you could apply to pay for the policy or increase the amount of coverage. Here's why: According to two recent nationwide polls, more than 35% of...
Everyone faces emergencies sometimes. Maybe a large home repair, job loss or other unexpected expense has made you miss a life insurance payment. The consequences of skipping a life insurance payment depend on the policy type, coverage, and terms and...