Changes That Impact Your Home Insurance Premium

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Insurance carriers consider many factors about you and your home when determining how to price your insurance. Some factors like geography and the age of your home can’t be easily changed, but there are many things you can do to your home that will help to bring down the cost of your insurance.

Home Improvements

Insurance carriers look to the state of your home to determine the likelihood of a future claim. If you’ve made improvements to your home that make it more protected against damage, you may qualify for a reduction in your premiums. Below is a list of common changes to your home that may help you to lower costs, but you should speak to your agent if you’ve made other improvements you think may improve your premium:

1. Security Upgrades

  • Add a dead-bolt lock, smoke detector, or burglar alarm
  • Setup a security system with a direct line to the police, fire department or other monitoring stations
  • Install a sprinkler system

2. Weather Resistant Upgrades

  • Replace or reinforce your roof
  • Replace or reinforce your windows
  • Add storm shutters
  • Retrofit your home for earthquake proofing
  • Complete other storm-proofing upgrades

3. Additional Home Upgrades

  • Update water heater, heating, plumbing or electrical

If you are considering making any of the above updates, speak with your agent beforehand to understand your carrier’s requirements and the discounts you can expect.


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This Blog/Vlog/Website is made available by Matic Insurance Services, Inc. for educational and informational purposes only. Matic makes no representation or warranty of any kind, express or implied, concerning the accuracy, completeness, or suitability of the information contained herein. Insurance products and services described may not be offered in all states. Eligibility for insurance will be determined at the time of application based upon applicable underwriting guidelines and rules in effect at that time. A Matic Insurance Agent can offer you practical guidance and answer questions you may have before you buy.