A home is the largest purchase most Americans will ever make. They want to protect it and their belongings in the event of an unpreventable disaster. This is why most people carry homeowners' insurance.

Yet, having full coverage does not mean paying top dollar for home insurance premiums. The more secure your home is, the better chance you have of reducing your overall costs.

These three home improvement projects might lower your premiums. They can also give you an incomparable peace of mind when it comes to protecting your family.

1. Install a Fence

Installing a fence will act as a theft deterrent and may lower your home insurance premiums. It can also help you protect recreational equipment like pools. It makes great sense to have a fence around your pool or home, and it is the law in some areas.

But before you begin digging holes, consult with your local city office. See where your property line is and find out any ordinances that cover the installation of a fence. Saving on your premiums will be moot if you have to install your fence twice.

2. Install a Home Monitoring System

Total home monitoring systems connect smoke and fire alarms with intrusion detection. A central office monitors these systems. Systems can often dispatch police and fire support for any breaches that may occur.

Subscribing to a home monitoring system can help you save on your home insurance policy. Even installing smoke detectors, motion-activated lighting or shatter proof windows can affect your premium costs.

3. Consider Upgrading Structural Components

Upgrades such as a new roof, new plumbing and new electrical wiring go far beyond a weekend do-it-yourself project. However, they may end up saving you on your insurance costs.

Older homes are especially vulnerable to fire from old wiring, water damage from old pipes and wind damage from an old roof. Upgrading the home can help you protect yourself. Use a reputable contractor that is both licensed and insured for any system upgrades. Notify your insurance carrier once the contractor completes the job. You might qualify for discounts once you renew your policy.

Whether you are a first time homeowner looking to save on insurance costs or are looking for strategic upgrades, these home improvement projects go beyond insurance. They offer you additional peace of mind in a safe, sound home.

We've got you covered. We can help you get a home insurance policy that is affordable. Call us for more information on pricing and discounts.