A well-maintained home is more than just a source of pride it can also save you money. Insurance companies reward homeowners who take proactive steps to reduce risk, and regular upkeep can help prevent costly claims before they happen.

At our agency, we want to help you protect your home while keeping premiums as low as possible. Here are ten home maintenance measures that may help lower your insurance costs.

1. Upgrade Your Roof

A strong roof is your home’s first line of defense. Replacing old shingles or upgrading to impact-resistant materials can reduce storm and hail damage and may earn a discount from your insurer.

Tip: Ask your agent whether your carrier offers roof age or impact-resistance credits.

2. Install a Security System

Homes with monitored security systems experience fewer burglaries and vandalism claims. Many insurers offer savings for professionally installed alarms or smart home systems that include motion sensors, door contacts, and cameras.

Tip: Provide proof of installation and monitoring to your agent to potentially qualify for discounts.

3. Add Smoke, Fire, and Water Sensors

Modern detection systems don’t just alert you, they notify emergency services automatically. Leak detection sensors near washing machines, water heaters, and dishwashers can prevent thousands of dollars in water damage.

Tip: Combine smoke, carbon monoxide, and water sensors with a central monitoring service for maximum benefit.

4. Replace Old Plumbing

Aging pipes are a leading cause of water damage claims. If your home still has galvanized steel or polybutylene piping, it’s time to replace it.
Tip: Updated plumbing materials like PEX or copper can reduce leaks and improve water quality.

5. Upgrade Electrical Wiring

Outdated wiring increases the risk of fire. Homes with aluminum wiring, knob-and-tube systems, or overloaded circuits often face higher insurance premiums.

Tip: Have a licensed electrician inspect your wiring and panel every few years to ensure everything meets modern safety codes.

6. Maintain Gutters and Drainage

Water damage often starts outside. Clean gutters and downspouts at least twice a year, and make sure water drains away from your foundation.

Tip: Install gutter guards and extend downspouts at least five feet from your home to prevent seepage.

7. Trim Trees and Secure Landscaping

Storms can turn overgrown trees into hazards. Trimming branches near the roof or power lines helps prevent damage from wind and debris.

Tip: Remove weak or dying trees and secure outdoor furniture before significant weather events.

8. Install Storm-Resistant Windows and Doors

High-impact glass and reinforced door frames can reduce the severity of wind or hail damage. In hurricane or tornado-prone areas, insurers often reward these upgrades.

Tip: Look for products rated to withstand local weather conditions and provide documentation to your insurer.

9. Keep Up with Heating and Cooling Maintenance

HVAC systems that are regularly serviced are less likely to cause fire or water damage. Dirty filters, blocked vents, and neglected chimneys can all create risk.

Tip: Schedule annual inspections for your furnace, air conditioner, and fireplace.

10. Build a Preventive Maintenance Schedule

Document your home maintenance with dates, receipts, and photos. Keeping good records not only helps you track upkeep but also strengthens your case for discounts and smoother claims.

Tip: Create a simple checklist for seasonal maintenance and keep a copy with your insurance documents.

Taking care of your home protects not only your property but also your peace of mind. A few simple maintenance steps can reduce your risk, extend your home’s life, and potentially lower your insurance costs.

Our team can help you identify which upgrades qualify for discounts and guide you toward smart home improvements that yield long-term benefits.