Answering Your Questions About Roofing

Three Things You Can Do To Pay Less For Homeowners Insurance

by Donald Evans

It can be expensive to maintain a home, which is why most homeowners appreciate learning ways to save money. One bill that is relatively easy to lower is the premium for homeowners insurance. Here are three things you can do to pay less for homeowners insurance. 

Upgrade Your Roof

The roof on your home might be the last thing you think about—until a major storm hits, that is. By then, it might be too late to decrease the risk of damage, which is why it's important to be proactive when it comes to ensuring your roof is strong enough to withstand high winds, hail, and excess water.

Shingles for roofs get rated by insurance companies on a scale from one to four. Class four shingles are considered to be the sturdiest. Since a sturdier roof offers better protection in the event of a major storm, you might actually be able to pay less for homeowners insurance. In fact, the savings can be as high as 20 percent. If you don't know what type of shingles you have on your roof, contact your local roofing company. They can help you upgrade your roof if necessary. 

Install an Advanced Security System

Since one part of having homeowners insurance has to do with protecting homes from theft and vandalism, installing an advanced security system can also help you save money. It's important to note that not all types of security systems will qualify homeowners for a discount on their premium. For the best chance at qualifying for a discount, consider one with the following features:

  • Motion sensors
  • Security camera
  • Remote access

Another important feature to look for in a home security system is if it can alert first responders. Some systems are also able to sound an alarm in case of fire, flood, or a carbon monoxide leak. 

Rewire Your Home

Did you know that nearly 68,000 home fires a year are caused by electrical problems? In order to prevent the risk of fire, it's important to ensure your home has updated wiring. This is especially true of older homes that contain aluminum wiring. New wiring that is correctly installed not only decreases the risk of fire, but outages and shortages as well. Signs your home may need to be rewired include: 

  • Frequently blown fuses
  • Flickering lights
  • Sizzling or burning sounds
  • Loose outlets

Another sure sign you may need new wiring is getting shocked when plugging something into an outlet. 

Whether you choose to upgrade your roof, install an advanced security system, or rewire your home, you're bound to pay less for homeowners insurance.