How Living Green Affects Your Home Insurance

A lifestyle choice that is gaining massive popularity all over the world is “Green Living”. Living green is basically a way of life in which a person attempts to reduce his negative impact on the Earth while promoting to take care of the planet and its natural resources. Living green is a lifestyle change that starts within us and our surroundings which will be an instant savings for the next generations.

Converting our Home into Living Green

A good way to start living green as a lifestyle is to convert our home to be greener. There are several ways that we can do to convert our home to be greener in the future. A simple way is to change your current lighting set-up into a skylight or natural lighting. Another way is to add additional enhancements such as greenhouse and solar panels which gives substantial benefits and further promotes green living.  A greenhouse lets you plant trees within your premises while a solar panel saves you money from the rising cost of electricity.

However, all these changes are all expensive that might affect the homeowner’s insurance policy of your home. That’s why it is important for you to consult first the insurance policy provider before proceeding with the changes as it might drastically change the value of your home like the situations below:

Solar Panels – these items are all expensive that might add value to your policy. It is important for you to inform them about the installation of any solar panel structure in order for you to be covered if anything bad will happen in the future.

Greenhouse – Many of the homeowner’s insurance policy take a certain percentage of coverage with regards to additional structures within a property. If you already have several structures in your home, it is your responsibility to make sure not to add additional policy upon installing a greenhouse.

Skylight – Although installing a skylight inside your home is not expensive, it can add additional risks if not fix properly. It is important for the insurance provider to take note of the risk and also the higher replacement value.

Downsizing is Living Green

Another way for people to live green is to downsize their lifestyle. Downsizing means living in a small house and having fewer possessions. In fact, a growing trend that is increasing in popularity in the U.S. is living in a “tiny house”, a residential structure that is less than 400 square feet. Living in a small home not only helps the environment but also reduces the homeowner’s insurance policy. Downsizing means less property which also means a more manageable cost of insurance policy.

Using eco-friendly materials in building your house as a way of living green will also affect your insurance policy. Because of its high price, eco-friendly building materials will need a higher replacement value in your policy. However, this kind of material is also strong and durable which is also another factor that might be considered by your insurance provider.


Deciding to live green as a lifestyle change will definitely affect your insurance policy. You need not to worry as these insurance providers are built to answer the lifestyle changes of their customers and clients. After all, insurance is built to protect you in the best way possible.

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