3 Ways Windows Can save You Money on Home Insurance

When it comes to home improvements, windows are often overlooked. Windows simply aren’t as sexy as new appliances or granite countertops; however, they are important to a home’s livability. Think about it, how comfortable would your home be without windows? In addition, new windows can save you money.

That got your attention, right?

There are a lot of ways new windows may save you big bucks. For example, new windows may qualify you for a tax credit. In addition, new windows are likely to be more energy efficient thereby cutting your utility bills. There’s a third, lesser talked about, way that new windows can save you money and that’s on your homeowners insurance.

When you opt for new windows, there are three factors that may bring your homeowners insurance premiums down.

#1 – Energy Efficiency

Believe it or not, going with energy efficient (particularly ENERGY STAR rated) windows may qualify you for a discount on your homeowners insurance policy.

Not familiar with ENERGY STAR? This is a voluntary program through the Environmental Protection Agency (EPA) under which products like windows, doors, and appliances are evaluated and rated as energy efficient or not. To qualify, two characteristics of windows are measured: The u-factor and the solar heat gain coefficient (SHGC).

Learn more about energy efficient windows and what to look for in ENERGY STAR windows by reading Through the (Energy Efficient) Looking Glass: What You Should Know.

Before purchasing new windows, consult with your insurance agent to find out about eco or green discounts associated with your policy and what exactly you need to do to qualify.

#2 – Security

Many insurance policies give discounts for security measures homeowners take to keep their dwelling and possessions safe. For example, you may qualify for a discount if you install an alarm or security system. So, how can new windows help you save? Look for:

  • Locks – windows with locks, which help prevent break-ins may qualify you for savings.
  • Shatterproof – windows that are shatterproof (and thus harder to break) may earn you a discount.
  • Thermal pane – these windows are constructed using multiple panes of high-performance glass making them more resistant to break-ins.

Discuss the placement of windows and various security options with a glass professional (like those at Jack’s Glass) to find the best solution for you and your family.

#3 – Disaster Proof

While natural disasters are not a huge problem in the greater Cincinnati and Northern Kentucky areas, we do see our fair share of foul weather now and again. High winds, hail, and ice storms are just a few of the weather experiences one may encounter here. Taking steps to make your home more weather resistant (or disaster proof) may also qualify you for a discount on your homeowners insurance policy.

Some options might be shatterproof windows, thermal pane windows, or storm windows. Storm windows are installed inside or outside of the primary window and provide extra wind protection and insulation.

To see if you qualify for these discounts or others, be sure to speak with your insurance agent.

If you’re still worried about the initial outlay of money for your new windows, keep in mind that you do not have to replace all the windows in your home at one time. If this is an option you’d like to explore, be sure to start by reading the article Do I Need to Replace All of My Windows at Once?.

Once you’re ready to get a quote or discuss which window options might work best for you, contact Jack’s Glass. We’ll be standing by to help you find the glass solution that best fits your need!