Homeowners insurance quotes are affected by the materials that are selected during the construction, renovation and repairs of your home. For people who live in areas with high winds, there are several options for protecting your home. So, what materials can you choose to use to lower the cost of your insurance premiums each year? Below, you will find a few examples of decisions that you can make to decrease your premiums and improve the quality of your home while living in a windy climate.

Roofing Options

Hail and wind can destroy the roof on your home in minutes. One way to protect your home and lower the cost of your insurance premiums is to install wind and impact resistant roofing. This type of roofing can be found in metal roofing and asphalt shingle forms.

There are several categories used to categorize the different types of roofing. If your home is in an area prone to excessively high winds, you may need to install Class H roofing which is designed to withstand wind speeds up to 150 miles per hour.

Another roofing option that could reduce your premiums is a non-combustible roof. Homes that are surrounded by grasslands or heavily wooded areas can benefit greatly from non-combustible roofing options. This type of roofing options are classified as Class A, B or C, with Class A offering the highest protection against fires.

Hurricane Windows

If your home is in an area that is exposed to very high winds and/or hurricanes, you could enjoy a nice discount on your homeowners insurance premiums by installing hurricane windows. These windows are designed to withstand the impact of the winds and flying debris and are less likely to break in the event of a high-wind storm.

Bricks Not Sticks

Building your home using bricks can decrease your homeowners insurance rates because the bricks can withstand more abuse than wood structures can. There is only one instance that a wood-built homes do better than brick - during earthquakes.

Brick homes do not burn as quickly and can withstand high winds better than wood-built homes, so the insurance company has to pay out less for repairs after such instances.

These are just a few examples of how you can lower the premiums on your homeowners insurance during construction, renovation and repair. Talk with your local insurance agent to learn more about making the best choices and get a quote before planning the completion of any work that you may be planning to do to your home. You may find that the additional investment on better grade materials could save you a decent sum over the years.