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Can I Get an Eco-Friendly Discount on Houston Homeowners Insurance?

Green energy is becoming a very popular way to trim your electrical bill. Are there any eco-friendly discounts, I can get on my Houston homeowners insurance? Read on to find out how you can save Mother Earth and save a little cash.

Green Home Efficiency

Students with good grades can receive automobile insurance discounts. After a “safe driving” course, you can also qualify for a reduction on car insurance. Insurance firms reward you for being responsible.

Sustainable living might also earn you a discount on your Houston homeowners insurance – find out what is available. Those who care for Mother Earth, are more likely to have a safer home. Here are some of the fixtures that might qualify for sustainable home insurance discounts:

  1. Energy
  2. Faucets
  3. Windows
  4. Security
  5. Furnaces
  6. Lighting
  7. Insulation
  8. Water heaters
  9. Air conditioners
  10. Replacement

Non-drip faucets are less likely to cause floods. Double-paned windows and better insulation can reduce your heating bill. Some old World War II era homes actually used newspaper for insulation. This can be a fire danger when electrical wires overheat. More efficient appliances are less likely to suffer from mechanical breakdowns.

Modern wireless and wired networks can create a remote-controlled Home Security System. You can view your home from work with cameras and use speakers to scare potential burglars. A good Houston homeowners insurance firm offers discounts for these features.

2008 Ceres Report Findings

Environmental advocacy group, Ceres found in a 2008 report that there was a statistical correlation between green homes and lowered risk. This could be due to higher quality appliances or the homeowners’ conscious focus on home risk management solutions. Insurers are offering discounts for green appliances, non-toxic carpeting and energy-efficient HVAC. Well-maintained, cooler-running appliances are less likely to catch on fire.

On April 23, 2009, Jilian Mincer and Shelly Banjo of the Wall Street Journal reported that “almost two dozen insurers offer premium credits and discounts for owners of “green” commercial and residential buildings, according to Ceres. In the U.S., that typically means buildings with Leadership in Energy and Environmental Design (LEED) or Energy Star certifications.”

What is the Difference Between Energy Star and LEED?

Basically, Energy Star is a government program under the auspices of the United States Environmental Protection Agency (EPA). It creates the standards for energy-efficient products. LEED is a non-profit organization that concentrates more on encouraging the building of energy-efficient structures.

Blue Energy Star Symbol

In 1992, the EPA created the Energy Star system as a voluntary way for businesses to identify, promote and advance energy-efficient products. The blue Energy Star label can be found on quite a number of appliances, including air conditioners and heaters. It is estimated that more than 1.5 million American homes have earned the Energy Star label.

When Houston homeowners compare the increased energy savings that are attributable to Energy Star products, they cannot really argue with the science. A new home can add these higher-rated appliances to create a tighter, sealed environment and improve comfort due to superior temperature regulation. Your HVAC will be more efficient and might not run as frequently.

New houses can control their energy costs, by adding renewable wind, biomass or solar power. Simply add smart home technology and create the ideal atmosphere 24/7/365. Older Houston homes would benefit tremendously by upgrading to more energy-efficient appliances.

Houston homeowners insurance policies might offer a number of ways to benefit from Energy Star efficiency. By installing Energy Star appliances, you might receive up to a 5% discount. After an accident, you could upgrade your bathroom, kitchen or living room with superior Energy-Star appliances (usually your premium will be about $20 to $30 or higher).

LEED Certification

In 1993, the U.S. Green Building Council (USGBC) created the Leadership in Energy and Environmental Design rating system. The system has four levels of energy-efficient buildings – Certified, Silver, Gold or Platinum. LEED attempts to influence professionals in the building industry – architects, builders and carpenters – to create green standards for design, construction, operations, maintenance and repair.

An environmentally-conscious home uses renewal, earth-friendly materials and building methods. A LEED-certified home might receive as much as a 10% discount on yearly insurance premiums. Houston insurance companies might reimburse you for installing non-toxic carpets, upgrading after a loss or for recycling costs associated with LEED certification.

Eco-Friendly Discounts

You must replace your home appliances eventually, why not upgrade to more energy-efficient models, at the same time? You might as well gain an insurance credit for doing so. You might want to ask Houston homeowners insurance firms on the web if they offer energy-efficient discounts or rebates.

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