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LeafGuard Iowa

4 Home Improvement Projects To Lower Your Homeowner Insurance

10 March 2020

Save Money On Insurance With Home Improvement Upgrades

Living in Iowa, we tend to have a lower average cost of home insurance premiums. The average cost is somewhere around $945.00 where surrounding states tend to go up to over $2,000. Your homeowner insurance is determined based on a lot of factors but one of the biggest factors is the condition/safety of your home. While we have a lower average, there are home improvement projects that can reduce the cost of your insurance giving you the advantage of making an investment in your home in the long run. We have compiled a list of upgrades you can make around the interior and exterior of your home that will pay off over time:

 

  • Home Security System: This is one of the simplest upgrades homeowners can make to reduce policy costs. Home security may include everything from door sensors and smoke alarms to monitored systems that notify emergency personnel.

 

Depending on your homeowner’s insurance, they will give you a 5 to 10 percent for installing a security system.

 

 

  • Storm-Safe Windows: With the severe weather Iowa faces year-round, installing windows that can protect your home from wind damage, hail, and severe storms can receive a credit on their homeowner policy.

 

SeasonGuard window
Constructed with aesthetics in mind, our SeasonGuard window design provides on average 27% more visible glass area than other competitive brands.

 

 

  • Add a New Roof: Yes a new roof can be expensive but having a bad roof can cost you a lot. If your roof leaks, you’re likely to face rotting wood and interior water damage. If it is weak, hail and high impact storm can breakthrough. Depending on your insurance, they may offer some sort of discount for a roof upgrade. Installing a new roof not only protects your home in the long run but also provides a newer look to it.

 

If you see discoloration in your shingles, it could be a sign you have lost granules. Losing granules can be a result of the natural aging of your roof or a result of hail or wind damage.

 

  • Upgrade Old Electrical and Plumbing Systems: If you own a home that was built in the 1940s and ’50s, the plumbing and electrical are several decades old. Pulling out the old wiring and upgrading it to current standards will not only lower your insurance but save you money every month on your electrical bill.

 

Updating an old electrical system can lower your home insurance premiums.

Home Solutions Of Iowa Is Here To Help

One of the most important ways to save is to regularly inspect your interior and exterior home to prevent the damage before it actually occurs. Looking to protect your home with new gutters, roofs, windows, or siding; we are the ones to call. We provide free estimates on our products; allowing us to come out and inspect your home for you. Call us today for a free estimate on our variety of services to save you some money on your homeowner insurance!