Who doesn’t love saving money, especially on something like homeowners insurance? If you’re looking for smart ways to cut your costs (without cutting corners), these three home upgrades might be your golden ticket.
Let’s break them down:
1. A New Roof = Big Savings
Think of your roof as your home’s first line of defense, and your insurance company sees it that way, too. Replacing an old or damaged roof can lead to savings of 5% to 35% on your homeowners insurance premium.
Why such a big discount? A new roof means less risk of damage during storms, especially here in Florida. And if you go with impact-resistant materials? Even better. That’s money back in your pocket and added peace of mind.
2. Hurricane Shutters: A Storm-Smart Move
Living in a hurricane-prone area means preparing for the worst, and insurance companies reward that kind of preparation. Adding hurricane shutters or impact-resistant windows can reduce your premium by 5% to 30%.
These upgrades show your insurer that your home is better equipped to handle high winds and flying debris. Bonus: They also give you a serious boost in protection when a storm is heading your way.
3. Secure Your Home (and Your Wallet)
A good security system does more than keep out the bad guys; it can also keep your insurance bill in check. Installing alarms, security cameras, or a professionally monitored system can shave 5% to 20% off your premium.
Why? Fewer break-ins mean fewer claims. And insurers love a low-risk home.
Bonus Tip: Talk to a Pro You Trust
Upgrades like these can lead to real savings, but only if your insurance provider knows about them. Once your improvements are done, keep documentation handy (think receipts, permits, and inspection reports).
Not sure where to start? Our in-house team at Preferred Partners Insurance is here to help. They’re not just insurance experts—they’re part of our real estate family! They’ll walk you through which upgrades qualify for discounts and how to make sure you’re getting every dollar you deserve.
These upgrades aren’t just about safety, they’re also smart financial moves. By reinforcing your home, you’re protecting your biggest investment and putting some extra cash back in your wallet.
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