When looking to upgrade your home, you are usually concerned with how it will affect your home insurance rates—with good reason. Upgrades to your home often increases its replacement cost value, which can influence how much home insurance you need and how much you pay for it. But certain upgrades can actually serve to save you money on home insurance. 
This is because home insurance premiums are primarily based on the risk you present to the insurer of filing a claim. The more likely you are to file a claim, the more you may pay for home insurance. On the other hand, lowering your risk of filing a claim can actually save you money on home insurance. You can do so by protecting your home with extra security measures.
Anti-Burglary Alarms
Anti-theft and anti-burglary systems can help prevent loss due to theft and vandalism by deterring potential thieves. Even having a sign in your yard that declares your home is armed can be enough to turn away would-be thieves and burglars. Installing one of these can save you money on your home insurance rates as well as giving you further peace of mind.
Upgraded Fire Alarms
Your home likely comes with fire alarms and sprinklers, but not all of them are created equal. Updating your fire alarm system can help prevent bad fires by setting off earlier and louder. Some can also cut down on the time it takes for emergency services to reach your home.
Weather-Resistant Roof
Installing a weather resistant roof can help reduce the damages to your roof and home caused by bad weather such as high winds, rain and hail. By reducing the likelihood of damage to your home, you can lower the likelihood that you will need to file a claim with your insurance provider.
Proximity to Emergency Services
In many cases, your actual proximity to emergency services can affect your home insurance rates. The closer you are to a fire station or hospital, the more you can save on home insurance. This is because being closer means cutting down on response times and possibly reducing the damage that can occur due to a fire and more.
Speak with an insurance agent about your home insurance rates and other ways you can save money by asking about discounts or upgrading your home’s safety measures to prevent claims.