Major home improvements can affect the coverage and cost of your homeowner’s insurance. Some improvements will raise your premium while others can help reduce home insurance costs. Before undertaking a remodeling project, talk to a Tim Huber Insurance agent to see how your renovations will affect your home insurance policy. Here are a few projects that could help reduce insurance costs.

New Roof

Putting a new roof on your St. Augustine, FL home will not only give you extra protection against the elements but could qualify you for a discount on your homeowner’s insurance. If you have an older home, upgrading your roof will reduce the risk of damage to your structure and the interior of your home. For optimum protection, make sure your contractor uses top grade materials that will withstand the area’s hot, humid climate and the threat of hurricane winds and rains.

Plumbing and Electrical System Upgrades

Upgrading your plumbing or electrical system could make you eligible for discounts on your insurance premium. Upgrading your plumbing system reduces the risk of water damage due to old, corroded pipes. In like manner, a new electrical system could protect your home from fire due to faulty wiring. If your home is experiencing plumbing or electrical problems, an upgrade may be in order. In addition to fixing plumbing or electrical issues, upgrading these systems could qualify you for reduced rates on your home insurance costs.

New Security System

As a homeowner, the security of your home and family should be one of your greatest priorities. A new security system will offer greater protection against break-ins, vandalism, and theft. Improved security will make your home a safer place to live and help you save money on your insurance coverage.  

For more information on how to obtain quality homeowner’s insurance at affordable costs, contact Tim Huber Insurance in St. Augustine, FL.