Oregon Homeowners Insurance: Going Green


As people are becoming more environmentally conscious, Oregon homeowners insurance companies are taking notice. Going green to help the environment and to improve your home will have an effect on your homeowners insurance policy.

If you are considering making your home environmentally friendly, you should also know how it will impact your homeowners insurance.


How to Go Green

There are many things you can do to make your home environmentally friendly. Some of these are small things, while others are major changes that will require work on your home.

Here are some of the things you can do to have an environmentally friendly home.


  • Install energy efficient windows
  • Install energy efficient roofing
  • Install solar power
  • Recycle
  • Use energy efficient light bulbs
  • Use energy star appliances


Also, if you are in the process of building a new home, there are ways in which you can conserve energy simply through the location and design of your home. When talking with your home designer, ask about the things you can do to maximize energy efficiency throughout the home.


Going Green Can Save You Money on Homeowners Insurance

There are many companies that offer discounts to those who make their homes environmentally friendly. Large investments such as solar powering your home can lead to savings on your policy of 5 or 10 percent. Also, if you had a wood stove before and now use solar energy, you may have reduced the risk of a home fire. This can further lead to lower Oregon homeowners insurance costs.

If you decide to replace your windows or roofing, not only will you get the benefit of a “greener” home, but you may get a discount on your homeowners insurance. A new roof and windows may lower your Oregon homeowners insurance premiums because they cut down on risk factors such as home robbery, water damage and roof damage.


Going Green Increases the Value of Your Home

In today’s market, a green home is becoming more of a hot commodity. More and more people are concerned with protecting the environment and a green home can lead to a much higher value for the home and may also be much easier to sell. As the trend toward solar power and other environmentally friendly features becomes more prominent, you will be ahead of the trend and your home will be highly sought after in the future.


Going Green Lowers Energy Costs

The major focus of going green is to reduce the amount of energy required on a daily basis. Not only does this help the environment, but it also lowers your energy costs. Better roofing, more efficient lighting, solar power, better windows, all can result in drastic savings on your monthly power bill.


Going Green Requires an Initial Investment

The one thing you will have to realize is that going green will require an initial investment. If you are planning on remodeling to take advantage of solar energy, it can be costly up front. However, you will save money in the long run and you will have made an impact. If you are someone who feels strongly about environmental issues, then this is a chance for you to do something about the problem.


Get Rate Quotes Once You Have Made Changes

Making changes to your home of any significant sort will mean a re-evaluation of your homeowners insurance policy. In the case of making your home environmentally friendly, you may benefit the most from shopping around for Oregon homeowners insurance rate quotes. Because it is still a relatively new concept, some homeowners insurance companies will offer a better policy for those taking the responsibility of the environment in their own hands.

It will only take you a few minutes to get several quotes from reputable homeowners insurance companies. The few minutes you spend getting these quotes may save you a bundle on your Oregon homeowners insurance policy.


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