Woman On Computer Wearing Mask
What You Can Do During COVID To Save Money On Home Insurance

COVID has managed to change almost every aspect of our lives. It's no surprise that homeowners are wondering how they are going to afford their recurring bills, such as home insurance.

Insurance companies are stepping up in a variety of ways, especially by offering discounts, extending grace periods, giving relief from insurance premiums, and providing rebates. There are even more ways you can save money on home insurance during this pandemic.

Review Coverage And Go Shopping

COVID presents an opportunity to review your current coverage and fill any coverage gaps. We recommend working with a licensed insurance expert to check your coverage.

Compare home insurance rates to see what carriers are quoting to insure your property. While it will vary depending on your state, insurance carriers are making rate changes all over America. Young Alfred has the most advanced online shopping tool to help you compare home insurance policies apples-to-apples.

Check Your Home Insurance Policy Exclusions

Most homeowner insurance policies will have a virus or pathogen exclusion.

Dr Evil Whatever GIF

Other home insurance exclusions that are relevant:

  1. Normal wear and tear
  2. Intentional damage
  3. Damage caused by an Airbnb Rental or VRBO
  4. Flood Damage -- separate policy

Review Safety Features

You can receive extra discounts by securing your home with smart home devices and acting as a more responsible homeowner:

  • Install smoke detectors or check batteries on your existing smoke detectors.
  • Consider a burglar alarm or water leak monitor.
  • Trim tree branches away from your roof and see if any of your trees show signs of rot.

Handle Repairs Yourself - DIY

Pittsburgh is known as the DIY capital of America. All the DIYers mean Pittsburgh has cheap home insurance rates. If you have the knowledge and tools for small tasks, it is best to fix it yourself. Never modify or change anything structural without the assistance of a professional.


Bundling home and auto insurance is an efficient way to save time and money. You only have to deal with one account and see discounts of 5-40% by bundling your home and auto insurance. At Young Alfred, we quote bundled prices and mix and match insurance companies for our customers. We find the bundled option is better about 50% of the time, and the other 50% of the time, it is better to split insurance policies between two companies.

Can't Afford Your Insurance Payment?

With a spike in unemployment claims, many are reconsidering which bills to pay. If you are struggling to make an insurance payment, call your insurance carrier to see if there are any special COVID payment grace periods in effect. You can also review options with your State's State's Insurance Department. Every state is taking steps to defend customers during this unprecedented time.


The COVID virus will be with us for a while, and you can expect to spend more of your calendar year at home. It is prudent to take a comprehensive look at your home insurance policy. We are more than happy to help!

At your service,
Young Alfred