Keep the Cost of Homeowners Insurance Down by Making Your Home Safe

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UPDATED: Jul 15, 2021

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Written By: Jeffrey JohnsonUPDATED: Jul 15, 2021Fact Checked

Faced with the rising cost of homeowners insurance, consumers are looking to save money any way they can. Making your home safer could reduce the cost of homeowners insurance by as much as twenty percent, so take a look at some of the tips below. Make sure you notify your insurance company to see if you can get cheaper homeowners insurance rates.

TIP: Call your insurance company and ask if they give home insurance rate discounts for installing any safety devices or otherwise reducing the risk of having your house being damaged. Making the call could lower the cost of your home insurance.

Common Ways to Keep Your Home Safe

Even if you do not see the cost of your homeowners insurance coverage decline, making these safety improvements to your home will allow you to rest easier knowing you have reduced the possibility of a home catastrophe. The less likely a catastrophe, the less likely you will have to file a claim, which can save you money in the future.

TIP: Filing a homeowners insurance claim will cause anincrease in the cost of your homeowners insurance. Avoid disasters and hold on to your claims free discount that saves you money over time!

  • Install a burglar alarm– most insurance companies will give 10%-20% discount for installing a burglar alarm. Statistics show that a burglar alarm can considerably reduce break-ins, thereby reducing claims from theft. The insurance carrier passes these savings on to you!
  • Steel flex hoses on your washer and refrigerator water lines and under your sink– These hoses can be bought at any do-it-yourself home improvement store for a few dollars. They take seconds to install, and they prevent the rotting or tearing of your normal rubber hose (which always seems to happen when you are not home!). This can save you from dealing with hundreds of gallons of water ruining your hardwood floors, ceramic tile and carpet. Water claims are expensive and can cause an increase in homeowners insurance rates!
  • Install washer pans with a drain under washing machines– These pans can also be bought at any do-it-yourself home improvement store for about forty dollars. The pan slips under your washer, and in the event that your washer fails and starts to release water, the water goes into the pan and down the drain instead of on your floors! This is highly recommended if you have a washer on the second floor of your home!
  • Smoke detectors on every level of the home– Smoke detectors on every level may not reduce your risk of fire, but it will alert you to the presence of smoke before the fire gets out of control. This might not allow you to get the best homeowners insurance rate as some insurance companies make this a mandatory requirement before they will even insure you. However, no price can be put saving your home and your life!
  • Automatic Shut off Valves on Hot Water Heaters– These are a must if your water heater is located in your attic or on the second floor and can be installed without much trouble. The valve senses water leaks and shuts off the water in the hot water heater. The more expensive version also has an alarm sensor that alerts you that the device has been activated. A valve on your hot water heater can save you from expensive and inconvenient water damage to your home.
  • Move Grills and Fire Pits to a safe distance– Grilling safety is paramount not only to protect the home but the people around the grill. Safety experts suggest that any grill or fire pit should be at least twenty feet from any structure of the home. Make sure you do not leave any fire unattended, especially if there are children around. Grills and fire pits stay hot long after the fire is going. Make sure that all brush, paper products and other flammable items are kept away from the grill. Never use grills on your deck or inside your home. Grilling safety is not to be overlooked! Home fires started because of grilling accidents are not uncommon.
  • Fire extinguishers on every floor– Having a fire extinguisher on every floor in a place that is easily accessible can save you valuable seconds in the event of the fire. Again, this might not save you money on home insurance, but a fire extinguisher can prevent serious fire damage to your home.

Talk with an insurance agent about your home safety, and how you can reduce the cost of your homeowners insurance by taking these precautions. To purchase your home insurance plan, click here for a free, no obligation quote from Free Advice.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

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