Is It True Installing Impact-Resistant Windows Can Reduce Homeowner's Insurance Premiums?


The average homeowner pays anywhere from $300 to $1,000 per year for homeowner's insurance, according to the Federal Reserve Bureau. If you're like most people, you would prefer to pay less to insure your home while keeping the same coverage. One way you can do this is by installing impact-resistant windows. Here are two ways these windows can save you big money.

Outright Discount

When you finish having the impact windows installed on your home, chances are good your homeowner's insurance provider will offer you an immediate discount on your premiums. Granted, the discount may not take effect until your policy renews, but you'll still end up paying less money for coverage than you otherwise would have if you'd gotten regular windows.

The amount of the discount varies based your insurance provider, the type of windows you have installed, any other window-related safety features that are put in place, and where you live. For example, people who live in Florida where hurricanes are a frequent menace, your premiums could be reduced by as much as 43 percent.

Be aware, though, the insurance company may have an adjustor come to your home to inspect the windows to verify you did, in fact, install them. So be prepared with receipts and other relevant paperwork to show the adjustor when he or she arrives at your door.

Loss-Free Discount

Another discount you may qualify for is the loss-free discount. This discount is typically given to homeowners who have not submitted any claims for losses within a specific period of time (e.g. three years). Insurance companies are all about avoiding having to pay money to repair homeowners' houses, so the longer you go without submitting a claim, the more profit the insurance company makes. Sometimes they'll share those savings with you to encourage you to continue protecting your home from damage.

Since windows are one of the most common things damaged on a home, especially if you live in a family-friendly neighborhood with lots of kids, installing impact-resistant windows can help you avoid having to submit a claim for repairs for broken panes or other window-related damage.

In general, though, the insurance company won't simply give you this discount after the requisite time has passed; you'll have to ask for it. However, you can save up to 20 percent off your policy premiums, so it's worth the call to your insurance provider.

For more information about discounts you may qualify for when you have impact-resistant windows installed or to discuss your window options, contact a local contractor.


29 October 2017

Everything I've Learned About Glass

Thanks for visiting my website. I am Benjamin Mora. I absolutely love the woods, so I made sure to look very hard for a home that would give me a perfect view of a jaw-dropping landscape. I finally found the perfect house, but after I settled in, I felt that I wasn't getting the most out of my view. The problem wasn't the view itself, but the windows. After doing some research, I found ways that I could improve my view and finally have the perfect scenery I dreamed of. After a lot of hard work, I was able to sit and enjoy my coffee in front of a window that allowed me to see everything. I've decided to write about everything I've learned about glass on this website.