At Elliott, Powell, Baden & Baker, we know that protecting your home is about more than just carrying the right insurance coverage; it’s also about making smart choices that reduce risk. The good news? Many of these choices can also help lower your Homeowners’ Insurance premiums. Here are six practical steps you can take around your home that may save you money on your insurance policy.

1. Update Your Home Security System

A secure home is a safer home. Installing (or updating) a monitored security system, smart locks, cameras, and even motion-sensor lights can lower the risk of burglary or damage. Insurance companies often offer discounts for homes with these preventative measures because they reduce the likelihood of a claim.

2. Maintain Your Roof and Gutters

Your roof is your home’s first line of defense. Regularly cleaning your gutters and checking your roof for leaks, missing shingles, or water damage can help prevent costly repairs. Well-maintained roofs lower the chance of water damage or structural claims, something insurers reward with better rates.

3. Install Smart Devices That Detect Problems Early

Technology can protect more than your security. Installing smart smoke detectors, water leak sensors, and carbon monoxide detectors alerts you to issues before they become disasters. These devices not only keep your family safe but can also help you qualify for discounts on your policy.

4. Make Safety Upgrades to Reduce Risk

Small upgrades go a long way. Adding fire extinguishers, storm shutters, or reinforced windows, and trimming back trees that could fall on your home during a storm are preventative steps that insurers look at favorably. By reducing risk, you can lower your premiums.

5. Improve Home Safety Features

Simple safety additions such as installing railings on stairs, adding non-slip mats in bathrooms, and securing heavy furniture to walls reduce the risk of accidents in your home. Fewer injuries mean fewer liability risks, which can keep your insurance costs lower.

6. Bundle and Review Your Policies Regularly

Sometimes, savings come without a hammer or nails. Bundling your home and auto insurance with the same provider can significantly reduce costs. At the same time, reviewing your policy annually with your EPB&B agent ensures you’re receiving every discount for which you qualify, while making sure your coverage still fits your life.