Home insurance protects you from unforeseen events. Still, this doesn't mean you shouldn't plan for energy usage, particularly during the hot and rainy Florida summers. It's possible to save utility money, long-term, with a few energy-efficient steps. It's also possible to save money on your home insurance costs. Here's why.
How Does Energy Affect Insurance?
Your home insurance policy covers the house's structure. It protects the walls, roof, floor siding and even insulation. Your home's energy efficiency doesn't only save you money. It also reduces the house's wear-and-tear.
Check out these five tips to conserve the electricity, insulate the home, keep the walls fortified and keep your premiums low.
Tip One: Check The Attic Insulation
If you have an unfinished attic, take a look around. There should be insulation between the beams — about six inches-worth. If the insulation is missing, or if it's damaged you might wind up paying extra costs. Many states offer up to a 75% refund rate for insulation installations, too.
Tip Two: Install Ceiling Fans
Ceiling fans are low-energy life-savers which keep your home's air moving. In essence: They keep the mold away. If you can prevent mold development, you might be able to avoid damage that your homeowners coverage won't insure.
Ceiling fans are also a green solution. They reduce the need for constant air conditioning. Make sure your fans blow down, and don't forget to reverse them at the start of each season.
Tip Three: Replace The Air Filters
If you've ever faced frozen air conditioner coils, you know how damaging an unchecked AC unit can be. The replacement process takes 10 seconds, and the low-cost swap-out is well worth it. Otherwise, you might be facing an outdated filter, a hard-working HVAC system and extra premiums from your unit's depreciation.
Tip Four: Get Energy Efficient Appliances
If you're going appliance shopping, focus on energy efficiency and reliability. An energy efficient fridge can do wonders for your kitchen's longevity. The reduced strain of removal might also protect your area from unnecessary damages. In general, try to purchase appliances which have a 20-year lifespan.
Tip Five: Sign Up For Time-Of-Day Utilities
These programs offer low-energy alternatives to constant utility services. They even offer overnight services. You might learn how much your home's altered energy flow will reduce its damages the house over time.
If you're ready to save big bucks on your insurance, start outfitting your home's energy consumption standards from the ground up. Your utility bill will thank you, and so will your home insurance premiums.