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Many home insurance companies are providing discounts and incentives for customers who make their homes more environmentally friendly. "Going green" isn't just a way to help the environment - it could also save you money on your homeowners insurance. Most insurance companies are encouraging their customers to become more environmentally-conscious by offering them incentives to "go green." For some people this could be just the push they need to be more eco-friendly; for others who are already taking steps in their home to protect the environment, these bonuses are a reward that help people get cheap home insurance. According to the Insurance Information Institute, here are just three of the many ways that insurance companies are encouraging their customers to become eco-friendly and that could help you save money when getting free home insurance quotes Premium discounts: Many insurance companies are offering premium discounts to their clients if their homes meet certain tough environmental standards such as being a Leadership in Energy and Environmental Design (LEED) Green Building Rating System. LEED certification is considered to be the "gold standard" for environmentally-friendly home building. Environmentally-smart replacements: After a home has been damaged or destroyed by a fire, many insurance companies will provide bonuses if customers replace older appliances that sap energy with newer, Energy-Star devices that are rated for maximum energy efficiency. When homeowners need to get rid of debris and old building materials after a repair or rebuilding job, some insurance companies will provide a bonus if the materials are recycled rather than simply thrown away. Alternative power: Homeowners who generate their own power by means such as solar, geothermal or wind power and then sell their surplus energy back to the power grid can lose money when there is a power outage and they need to purchase their own energy from another source. Many insurance policies now cover this expense if the power outage is caused by a named peril. So if you are looking to get a home insurance quote, it might pay to make your home more eco-friendly. Or if you currently have home insurance but have recently upgraded your home with more environmentally-friendly materials, it could be a good idea to get a new quote for home insurance online through a site such as HomeInsuranceQuotes.us. Lou Albini is a freelance writer specializing in financial services and insurance. His work has been published in major print and online news sites. He lives in Brooklyn, NY.
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