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Home Improvements That Will Save You Money

If you are looking to save money on home insurance, there are many affordable improvements available that will lower your premium and make your home a safer place to live. Here are some free and low-cost tips to help keep your home safe and save you money in the process.

Burglar-Proof Your Home

Reducing the chance that your home will be burglarized will not only help to protect your family and your belongings, it will also reduce your home insurance premium. By putting a few simple security measures in place, you can earn a significant discount on your homeowners policy.

Installing a home security system or alarm in your house will help discourage potential burglars from entering your home and will also automatically notify authorities in the event of a break-in. Most insurance companies offer at least a 15% discount on your policy if you have a security system installed. To get a free home security quote and qualify for an exclusive online offer from Protect America, click here. Or to learn more about home security systems, click here.

Other simple measures you take to secure your home may also result in policy discounts. Some easy and affordable ways to protect your home from being burglarized include: install deadbolt locks on all doors that lead inside your home, place special locks on all ground floor windows, and set timers to turn your indoor and outdoor lighting on and off when you are not home.

Winterize Your Home

When it comes to saving money, winterizing your home will not only save you money on heating and energy bills, but it can also save you money on your home insurance by preventing winter weather-related damages.

Before the temperatures drop and the snow starts falling, you should check out key areas of your home to make sure you are prepared for the winter. Take time to inspect your roof area and check for loose shingles, gutters, downspouts, and other areas that could become severely damaged from the weight of heavy snow and ice.

If you use a fireplace or wood burning stove to heat your home, you should have a professional inspect for potential problems and properly clean out your chimney. This will make sure that your heating unit is working properly and will also help prevent a fireplace or chimney-related fire.

Also, make an effort to keep your house warm all winter long to prevent freezing and other cold weather damage. Before the cold temperature comes, make sure that small holes and cracks in the foundation and exterior walls of your home are sealed and insulated properly. Wrap any water pipes that are just inside of your exterior walls with insulation to prevent them from freezing, and add weather stripping and caulking to windows.

Focus on Fire Prevention

By taking a few necessary fire prevention precautions, you can better protect your home, family and possessions, and also qualify for a few home insurance discounts.

Homeowners who live more than 5 miles away from a local fire department station and/or more than 1,000 feet from a fire hydrant can expect to pay a higher rate because it would take longer for firefighters to respond during an emergency. Regardless of where you live, you can save money by adding smoke detectors and alarm systems to your home, which may qualify you for discounts. Also, you may receive a credit for having a fire extinguisher on hand or for having updated electrical wiring.

Since cigarette smoking is responsible for a large number of residential fires each year, many insurance companies will offer a reduced premium or discount for property owners who do not have any smokers in their households. If you are not a smoker, you may be eligible for a credit or reduced rate. Call us for a quote today to find out how much you can save just by not smoking.

Call us for a quote today to find out how much you can save just by not smoking.

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