Protect Your Home and Wallet: 5 DIY Upgrades That Lower Insurance Costs

When it comes to home insurance premiums, one of the simplest ways to lower costs is often the most overlooked—securing your home. It’s not just about installing fancy systems or making costly upgrades. Sometimes, a few small, DIY changes can make a huge difference in what you pay each month.

I know, it sounds too good to be true. But let me explain: Insurance companies are in the business of minimizing risk. The safer your home looks to them, the lower your premium can be. Think of it as an investment—spending a little time and money on security upgrades could save you hundreds, maybe even thousands, over the years.

In this article, I’ll walk you through 5 simple security upgrades that don’t break the bank but can make a noticeable impact on your home insurance premium. Whether you’re a DIY enthusiast or just looking for ways to save, these upgrades are both easy to implement and effective.

Ready to make your home safer—and save some cash in the process? Let’s dive in!

1. Reinforce Entry Points: Doors and Windows

One of the simplest and most cost-effective ways to reduce your home insurance premium is by strengthening your entry points—your doors and windows. Think of them as the first line of defense against break-ins. Insurance companies love it when you take steps to reduce risk, and reinforcing these entry points can make a noticeable difference in your premium.

Why This Works: Insurance companies often provide discounts for homes that have secure entry points. They know that reinforced doors and windows significantly reduce the chances of a break-in. According to Kiplinger, basic security upgrades like deadbolts and window locks can be enough to help lower your home insurance premium.

Actionable Tips:

• Install Deadbolts: Adding deadbolts to your exterior doors can make it much harder for burglars to break in. It’s a simple DIY job that can give you peace of mind.
• Reinforce Door Frames: Strengthening the door frame adds extra security. A reinforced frame ensures that even if someone tries to break the lock, they won’t be able to easily push the door open.
• Add Window Locks: Don’t overlook your windows. Installing locks on windows (especially basement ones) can prevent intruders from slipping in unnoticed. If you’re looking for more security tips for your home, check out 9 Home Security Tips Every Homeowner Should Know Before It’s Too Late to enhance your security measures.

By taking these small steps, you’ll make it harder for anyone to gain entry into your home, which could lead to a discount on your home insurance. You’re showing your insurer that your home is less risky, which is exactly what they want to see.

2. Install a Smart Security System

Now, if you’re looking to take your security to the next level, a smart security system could be the answer. While this is a bigger investment, it’s also one of the most effective ways to reduce your insurance costs. A well-placed security system that connects to your phone or sends alerts to authorities can drastically reduce the likelihood of theft, which translates into lower premiums.

Why This Works: Smart security systems not only make your home safer but also give insurers peace of mind. According to Bates Security, homes equipped with smart security systems often qualify for substantial discounts, sometimes up to 10-20%.

Actionable Steps:

• Choose a Reliable Brand: Look for systems that are both affordable and effective, such as Ring, SimpliSafe, or Nest. These systems offer professional monitoring and mobile apps that keep you connected.
• Easy Installation: Most of these systems are easy to install, even for beginners. They come with clear instructions and everything you need to get started. For a deeper dive into DIY security systems, you can explore our guide on DIY Home Security Systems, which covers everything from basic systems to advanced options.
• Expand for Better Coverage: If you have a larger property, consider adding additional cameras, motion sensors, or smart doorbells. These extras can help monitor more areas and increase your home’s security.

With a smart security system, you’re not just protecting your property—you’re also showing your insurer that your home is equipped with the latest technology to prevent potential loss. This makes it easier to negotiate a lower insurance premium.

3. Add Motion Sensor Lights

If you’re looking for a budget-friendly way to enhance security, motion sensor lights are a great choice. They’re effective at deterring criminals and can lower your home insurance premiums with minimal cost and effort.

Why This Works: Motion sensor lights are an excellent deterrent for intruders. When someone approaches your home and lights suddenly flash on, it makes them a lot less likely to break in. This type of visible deterrence is something insurance companies look for when assessing risk.

Actionable Tips:

• Strategic Placement: Install motion sensor lights around entryways, driveways, and any dark spots around your home. Focus on areas that are hidden from the street, where burglars might think they’re safe.
• Floodlighting: For added effect, use brighter floodlights that can light up the entire perimeter of your home. The more visible the area is, the less likely a thief will target it.
• Timer Settings: Some motion sensors come with timers, so they can stay on for a few minutes to give you time to react if needed. Incorporating motion sensor lights is just one piece of the puzzle. If you’re interested in more ways to improve your home’s security, don’t miss our article on Cameras with No Hidden Fees, which discusses how to get effective security cameras without the surprise costs.

Adding motion sensor lights isn’t just about improving visibility—it’s a simple upgrade that can make your home feel safer and reduce your insurance costs. Plus, it’s an affordable, do-it-yourself solution that makes a real difference.

4. Secure Your Perimeter with Fencing and Gate Locks

Securing your property’s perimeter with fencing and gate locks is a simple, affordable upgrade that makes a huge difference in your home’s security. It’s one of those upgrades that many homeowners overlook, but adding a solid fence and gate locks can add that extra layer of protection, making your home less of a target.

Why This Works: A well-secured perimeter can act as a barrier against unwanted guests. Insurance companies appreciate any steps that you take to make your home harder to access, and a sturdy fence with locks gives them just that.

Actionable Steps:

• Choose the Right Material: Opt for strong materials like wood or wrought iron. These not only provide durability but also enhance curb appeal, making your property less attractive to burglars.
• Install a Sturdy Gate: Installing a gate with a solid lock is crucial, especially for homes with large driveways or backyards. Look for options with heavy-duty locks that are hard to tamper with.
• Focus on Vulnerable Areas: Ensure the back and side yards are properly secured. Often, burglars target these areas because they’re less visible to neighbors or passersby.

A secure perimeter can be a big deterrent for criminals. A gated property is seen as harder to break into, lowering the likelihood of a break-in and providing an added layer of security that insurance companies will value.

Securing your perimeter doesn’t have to be expensive or complicated. With a good-quality fence and gate locks, you’re not only increasing your home’s safety but also lowering your insurance premiums.

5. Upgrade Your Smoke and Carbon Monoxide Detectors

Upgrading your smoke and carbon monoxide detectors is one of the simplest ways to lower your insurance premium while also ensuring your home is safer. These devices help protect you and your loved ones from life-threatening situations, and they can also help you save money in the long run.

Why This Works: Insurance companies view homes with working smoke detectors and carbon monoxide detectors as lower risk, which often leads to premium discounts. Not only will this increase safety, but studies show it can reduce insurance premiums by 5-10%.

Actionable Steps:

• Install Detectors in Key Areas: Place smoke detectors in all bedrooms, hallways, and kitchen areas. Carbon monoxide detectors should be installed near sleeping areas and in basements or attached garages.
• Replace Old Detectors: If your detectors are over 10 years old, it might be time to replace them. Newer models are more accurate and reliable.
• Consider Smart Detectors: For added convenience, install smart detectors that send notifications directly to your phone, alerting you to any issues immediately. Brands like Nest Protect offer advanced features like voice alerts and app integration.

By upgrading your smoke and carbon monoxide detectors, you’re not only improving your home’s safety but also showing your insurance company that you’re serious about reducing risks. It’s an easy, cost-effective upgrade that could save you a significant amount over time.

Conclusion: Simple Steps Can Lead to Big Savings

Taking small but impactful steps to improve your home’s security can lead to big savings on your insurance premiums. Whether it’s reinforcing your doors and windows, installing a smart security system, or upgrading your smoke detectors, each of these simple upgrades not only increases your home’s safety but also shows your insurance company that you’re taking proactive measures to reduce risk.

The best part? You don’t need to break the bank to get started. Prioritize the areas that offer the most value for your dollar—entry points, smart tech, and visible deterrents like motion lights and fencing are great places to begin. As you implement these changes, you’ll see the tangible benefits of reduced premiums and increased peace of mind.

Ready to save on your insurance? Start with these simple upgrades today, and take control of your home’s safety and your wallet.

For more home improvement tips and security solutions, visit us at Build Like New. Your next step toward a safer, more affordable home starts here.

Disclaimer: The information provided in this article is for general guidance only. Insurance premiums vary by insurer, location, and individual circumstances. Always consult your insurance provider for specific savings and eligibility details regarding security upgrades.