Plumbing Influences Homeowners Insurance | Roto-Rooter
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How Plumbing Influences Homeowners Insurance | Roto-Rooter Mooresville

Purchasing a home involves more than the cost of the property itself. As a new homeowner, you have to take into account mortgage interest rates, property taxes, repair expenses and homeowners insurance.

With so many costs, it's understandable if you're looking for ways to save money around the house throughout the month.

Interestingly, you may be able to lower the amount you pay for homeowners insurance by making upgrades throughout your home, including to the plumbing.

Plumbing and insurance

According to the Insurance Information Institute, the average annual homeowners insurance premium in 2012 was $1,096.

You may want to consider home improvements as one way to lower expenses. Updating parts of your plumbing system may even qualify for a premium discount.

However, the costs are anything but low when it comes to replacing the entire plumbing system.

Such a project may cost between $2,000 to $10,000. Given the cost, you should take into account your current plumbing system's age before moving forward with replacement.

Each type of pipe material has an average lifespan. For example, modern current generation polyvinyl chloride (PVC) drain lines may last 100 years. But early PVC, especially some of the 45 degree elbow joints in narrow diameters have been known to fail within a few years. Why? Moving pipes experience more stress.

Copper water supply pipes can serve you reliably for 40-70 years, but again, can fail prematurely if there is movement in the pipes or if they experience a hard freeze while under pressure.

If you've yet to finalize a home sale, pay close attention to the plumbing system. If you want to save money on homeowners insurance but don't want to make large scale repairs, you may want to look for homes with new plumbing systems, especially water heater connections and sump pumps. And if the home has lead pipes or galvanized (lead) iron pipes, you really ought to have a licensed plumber evaluate the condition and safety of the pipes so you’ll know upfront what it might cost to replace them.

Plumbing system replacement

If you're looking to move forward with replacing your plumbing system, you'll need to call your local Mooresville, North Carolina, Roto-Rooter.

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