Home Insurance Discounts For Whole House Generators

In an era where power outages are increasingly common due to extreme weather events, whole-house generators have become crucial to home safety. Not only do they provide a reliable power source during outages, but they can also lead to significant insurance discounts.

This article explores how homeowners can leverage the installation of whole-house generators to reduce their insurance costs.

What Is A Whole House Generator?

A whole house generator, as opposed to a portable generator, is a permanent fixture that automatically provides power to your home during an outage. These generators are typically powered by natural gas or propane and are integrated into the home’s electrical system.

Role In Home Safety

• Preventing Water Damage: These generators prevent basement flooding by keeping sump pumps operational during outages.
• Food Preservation: They ensure refrigerators and freezers remain operational, safeguarding against food spoilage.
• Avoiding Frozen Pipes: They maintain heating systems to prevent pipe bursts.

Insurance Perspective on Whole House Generators

Insurance companies view whole house generators as a proactive measure to mitigate risks associated with power outages. These generators can be covered under homeowners insurance policies, typically under personal property or dwelling coverage.

Homeowners can often secure insurance discounts by installing automatic backup generators. These discounts are seen as rewards for reducing the likelihood of claims related to power outages.

How to Qualify for Insurance Discounts With A Whole House Generator

1. Consult Your Insurance Agent: Discuss potential discounts and specific requirements.
2. Ensure Professional Installation: Use certified professionals to install the generator.
3. Maintain Safety Standards: Comply with local safety regulations and standards.
4. Document the Installation: Keep records of the installation and maintenance for insurance purposes.

Whole house generators are not just a backup power source but a smart investment for homeowners. By enhancing home safety and offering potential insurance discounts, they present a compelling case for homeowners looking to safeguard their homes.

If you own a home with a whole house generator, give us a call at 201-493-9002, and we’ll see if we can get you a discount on your homeowners insurance.