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Due to the threats of global warming and the higher cost of electric bills, many people are choosing to go green.  

We know one sector of the green industry that has been well received by the public is the auto industry. Hybrid cars offer several benefit to their owners especially when they are maintained and driven conservatively. Although the act of going green isn't just limited to something that drivers do. Nowadays, homeowners are also in the process of going green. People are starting to become more environmentally conscious about their homes and are beginning to opt to live in the latest converted green homes that are engineered to incorporate more natural elements into the living quarters like solar and wind power rather than traditional electricity.  

If you are looking to live green, you may be wondering about the price it costs to insure a green home.

What is the green home?

A green home is a home that has been designed to reduce the amount of electricity or gas required to maintain its everyday use. To achieve the goal the home incorporates several natural elements into the design.  Log cabins are considered green homes as well as houses that use natural roofing or those that are powered by solar panels.

Is it more expensive to insure a green home 

No and yes.  First off, your home has to meet the green building rating system requirements set by the Leader in Energy and Environmental Design (LEED).  If your home by their definition is green, your St Louis home insurance may actually cost less. This is because some insurance companies actually offer discounts for those who decide to go green.  Whether you've incorporated green measures to save water or energy, your insurance premiums can be reduced by up to 11% just by using energy efficient material.

On the other hand, some insurance companies charge the same amount or more to insure green homes. This is because they don’t have a definitive definition for green, so their premium is based upon the price of a normal home.  So the best advice is to actually shop around and get quotes from a few insurance companies before making a decision since some may offer discounts and others will not.

Ways to cut down your insurance premium

Although insuring a green home is usually no more expensive than insuring a regular one, certain aspects of your home can drive your insurance premiums up. Incorporating safety devices can greatly reduce your insurance premiums.  Burglar alarms, insurance locks and fencing are all good ways to reduce the amount you'll have to pay for insurance in general.  This is because the insurance company is less likely to have to make a payout if your home is more secure, so as a reward they offer you lower premiums.

For more information about home insurance or to obtain a quote, give Taake Insurance a call on 618-281-7656.

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The Morse Agency said...
I think that everyone should strive for a green home in order to save long term costs.
THURSDAY, MARCH 07 2013 2:28 PM

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