Home · Originally published October 29, 2020 · Updated November 2026
When an insurance company prices your home, it is trying to estimate how likely a claim is and how much it might cost. Older roofs, wiring and plumbing are linked to more frequent and more expensive claims, so updates to these systems can affect your premium and even whether a company will offer coverage. There is no guaranteed discount for any one project, and every company weighs things differently. But if you are planning improvements anyway, it helps to know which ones insurers tend to pay attention to.
The roof is often the first thing insurers ask about, especially in southwest Missouri where hail and wind are common. The age, material and condition of your roof can affect:
Some companies offer better pricing for impact-resistant roofing materials. Our articles on roof ACV vs. replacement cost and wind and hail percentage deductibles explain how roof coverage can work.
Electrical. Outdated wiring and older electrical panels can raise fire risk. Some companies have restrictions on certain older systems or require an update before writing a policy. If you upgrade your panel or rewire the house, keep the paperwork and let your agent know.
Plumbing. Water damage is one of the most common home insurance claims. Older supply lines and pipes may be more likely to leak or burst. Replacing old plumbing, water heaters and washing machine hoses can lower the chance of a claim, and some insurers consider plumbing age in their pricing. Note that backup from drains or sewers is a separate issue; see our article on water backup coverage.
Heating. The age and type of your furnace or heating system can matter, and some companies ask about wood stoves or space heaters in particular. Having a newer system installed and inspected by a professional can help.
Devices that prevent or limit losses can make a difference with many companies:
Ask whether your company offers a credit and what proof it needs, such as an alarm certificate.
Insurers do not automatically know when you replace a roof or upgrade an electrical panel. After a major project:
Other factors like your deductible, claims history and bundling with auto can also affect price.
Just finished a project, or planning one? Call 417.865.4800 or request a quote on our home insurance page.
Not always. Many companies price newer roofs more favorably, but the effect depends on the company, the material and your other rating factors.
Keep invoices, permits and any inspection reports showing the date and scope of the work, and share them with your agent.
They can. Some companies have restrictions based on roof age or older systems, so updates may open up more options.
Or send your details and an agent will call you back with options from the companies we work with.