How Home Upgrades Can Lower Your Insurance Rates

Many homeowners don’t realize that upgrading key home systems can lead to lower insurance premiums. Insurance companies assess risk based on the condition of your home, and modernizing your roof, plumbing, and electrical system can make a big difference. Here’s how these upgrades impact your coverage and costs.

1. Roof Upgrades: Protection Against Weather & Fire

Your roof is your home’s first line of defense against the elements. Older roofs are more prone to leaks, wind damage, and even fire hazards. Upgrading your roof can:

✅ Lower the risk of storm damage

✅ Improve fire resistance (especially with Class A fire-rated materials)

✅ Qualify you for insurance discounts

Best Roofing Materials for Insurance Discounts:

Impact-resistant shingles
Metal roofing
Tile or slate with fire-resistant underlayment

2. Plumbing Upgrades: Preventing Water Damage

Water damage is one of the most common and costly home insurance claims. Older plumbing systems, especially those with galvanized steel or polybutylene pipes, increase the risk of leaks and burst pipes. Upgrading your plumbing can:

✅ Reduce the likelihood of water damage claims

✅ Qualify you for a lower deductible or premium

✅ Improve home resale value

Best Plumbing Upgrades:

PEX or copper piping
Leak detection systems
Water shut-off devices

3. Electrical System Upgrades: Reducing Fire Risk

Old electrical wiring poses a serious fire hazard. If your home has outdated knob-and-tube wiring or an insufficient electrical panel, your insurance rates may be higher—or you may even struggle to get coverage. Upgrading your electrical system can:

✅ Reduce fire risk

✅ Qualify you for insurance discounts

✅ Ensure compliance with modern safety codes

Best Electrical Upgrades:

Circuit breaker panel replacement
Whole-home surge protection
GFCI and AFCI outlets for added safety

How to Maximize Your Insurance Savings After Upgrading

After making upgrades, be sure to:

✅ Notify your insurance provider to request a rate adjustment

✅ Provide documentation (receipts, permits, and photos)

✅ Compare quotes from multiple carriers to find the best rate

Invest in Your Home & Save on Insurance

Upgrading your home’s roof, plumbing, and electrical system isn’t just a smart investment—it can also lead to significant insurance savings. If you’re planning renovations, talk to Dana Brown to ensure you’re getting the best coverage and discounts available.

Dana Brown | AssuredPartners License #4258080

Phone: 510-250-1854 | Email: Dbrown@cdginsurance.com

Cook, Disharoon & Greathouse License #0B33236

An AssuredPartners Company License #0M07762