Get the Right Insurance

Homeowners and Realtors need to become familiar with the idea that sustainable housing requires a different kind of homeowner’s insurance than homes built to regular standards. A sustainable home requires a specific mention of the materials used to build your home in order to rebuild your home properly in the event of a fire or natural disaster. Your sustainable home insurance policy must reference the proper green construction materials and methods in order for your sustainable home to be repaired properly.

A sustainable home uses alternative methods for generating energy, and some sustainable homeowners make an extra income by selling some of their excess energy back to the local utility. If you do that, then you will need to create a special clause in your homeowner’s insurance that protects the local utility in the event that something happens while you are transferring energy from your sustainable home. Without this part of your homeowner’s insurance in place, that extra source of income can become a problem in a big hurry.

Discounts for Sustainable Homes


In some states, you can receive up to a five percent discount on your homeowner’s insurance if you have a sustainable home that meets the Leadership in Energy & Environmental Design (LEED) standards established by the U.S. Green Building Council in 2000. You may also qualify for a discount on your homeowner’s insurance if you remodel or rebuild part of your home after it was damaged using green construction materials.

According to, certain insurance carriers also offer discounts of their own for homes that meet the LEED standards. As you are shopping for homeowner’s insurance, it is always worth your time to ask if your sustainable home gets you a discount. The chances are very high that you will find a company that can accommodate your need to financially benefit from your sustainable home.

Not only can sustainable homes save you money on operating costs, but they can save you money on your homeowner’s insurance as well. As you are shopping for your next home, insist on a sustainable home to save you money in more ways than one.