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Home Insurance

How to Reduce Home Insurance Costs Through Home Upgrades

The amount home insurance costs, to a degree, is based on how likely you’ll be to use it. The insurance company looks at a homeowner’s location, age of the home, demographic information and more to determine insurance pricing. In some cases, especially if you live in an older home, making upgrades here and there can lower your home insurance costs. Here are a few home upgrades we recommend. 


Replace the Roof

Insurance companies consider an older roof to be a liability. The older your roof, the more likely it is to sustain significant damage in the event of a major storm. Replacing your roof with a newly constructed one can reduce your rates by a few hundred dollars a year. If you live in an area that’s more susceptible to wind damage or fire damage, you may be able to save even more on insurance in the long term by investing in a roof that’s resistant to these types of damage.


Add Security Features

The more you protect your home, the less likely it is that you’ll have to make an insurance claim due to theft or vandalism. Adding in deadbolts or fire alarms can make a small difference in your insurance bill. However, adding in a fully-monitored security system that automatically calls the police or fire departments in the event of an emergency can save you a significant amount on insurance. If you already have these installed, make sure your insurance company knows. 


Invest in Smart Home Tech

Another type of technology that can help make your home less expensive to insure is smart home technology. Many pieces of smart home technology, such as smart locks, water leak detection systems and gas leak sensors, can make your home safer. Some home insurance companies, like Nationwide and USAA, offer discounts for homeowners who utilize smart home technology.


Upgrade the Systems

Your house runs on more than doors, walls and windows. Pipes, electrical wires, and HVAC systems are built to last, but they don’t last forever. Replacing aging pipes and upgrading your electrical wiring to copper wiring can make your house safer and therefore less costly to cover under insurance. Installing a brand new heating and air conditioning system or water heater can also help you save on insurance. 


Upgrading your home can improve your life and lower your insurance costs. Are you in the market for home insurance? Find coverage options from over 50 top-rated home insurance carriers in less than 5 minutes today by using Nsure

See how much you can save when you Nsure!
See how much you can save with Nsure!
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