How to Save on Home and Disaster Insurance

How to Save on Home and Disaster Insurance
  • Opening Intro -

    Natural and man-made disasters are unfortunately a fact of life, and homeowners especially need to be prepared for emergencies.


All homeowners need insurance protection to protect against the risk of major damage or property loss due to a disaster or other reasons. However, insurance premiums vary widely, and some factors over which you have little to no control often affect the premium cost, like the home’s location and design.

But you can take convenient, affordable steps to reduce the cost of your homeowner’s insurance policy. Here are just a few ways to save on home and disaster insurance.

Security System

Securing your property with an intruder alarm system will not only protect your home and residents but can also lead to lower home insurance premiums.

With many kinds of security devices to choose from, including video cameras, audio recording devices, and motion detector lights, you can find options or whole house systems in your price range to keep criminals away.

Some are easy to install yourself while others may need professional installation and require a low monthly rate.

Security systems are linked to the company, and when the alarms sound, a monitor will contact you to see if it was accidental or genuine, and if the latter, local law enforcement will be contacted and sent to your home.

The effort and cost are well worthwhile in securing your peace of mind as well.

Alarms and Detectors

Another protective measure you need to take is to install the recommended smoke alarms and carbon monoxide detectors at the requisite locations in your home. The local fire department can provide guidance and may even distribute free monitors.

If you buy them, they are generally affordable and easy to mount on the walls of each level of your home. For added protection, these can be linked to the community fire department so that if the alarm goes off, the fire department can send immediate assistance.

Annual Home Inspections

Insurance companies also like to know that you are keeping your home updated and safe. Annual inspections of the roof, foundation, residential well (if you have one), and HVAC system can help you spot problems early.

This lets you prevent or limit major damage in case of extreme weather or any kind of disaster, such as a basement flood or a home fire. While the insurer will not reduce your premiums based on inspections alone, you can rest assured that maintenance checkups by expert technicians can help to keep your home’s structure and systems in good condition.

other valuable tips:

Prompt Repairs

When problems are noted, take quick action to prevent catastrophic damage later. A new roof or sump pump may impact your insurance premiums. But if not, repairs and replacements can help to prevent serious problems that could eventually increase your insurance costs.

Don’t wait for a disaster to occur before repairing your home’s problems. Take care of them now and install helpful services for security and safety that will protect your family and minimize homeowner’s insurance costs.

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Categories: Insurance

About Author


Brooke Chaplan is a freelance writer and blogger. She lives and works out of her home in Los Lunas, New Mexico. She loves the outdoors and spends most of her time hiking, biking, and gardening.