Let’s face it: homeowners insurance can feel like a necessary evil—expensive, confusing, and full of small print. But what if better organizing your home could actually lower your premiums?
That’s where Homefile comes in.
We’re not an insurance company. But we are the best friend your insurance company wishes you had—because when your home is properly documented, maintained, and proactively upgraded, everyone wins. Especially your wallet.
1. Prove Your Coverage Needs with Precision
Most homeowners are underinsured (leaving thousands on the table in a disaster) or overinsured (paying for coverage they don’t need). Homefile helps you inventory your home, improvements, and valuables—all in one place.
With every appliance, renovation, and receipt logged, Homefile helps ensure your policy reflects the worth of your home. You’re covered where it counts and not wasting money where it doesn’t.
- Homefile users often find they can adjust their coverage and reduce premiums by 5–15% by sharing an up-to-date, verified home file with their insurer.
2. Unlock Discounts with Smart Devices and Maintenance Records
Insurance companies love low-risk homes—and that includes smart homes. Many offer discounts when you install devices that reduce damage risk or improve safety. Homefile helps you track, verify, and submit these upgrades for insurance credit. Examples of smart devices that may qualify you for discounts:
- Leak detectors and automatic water shutoff valves
- Smart smoke/CO detectors
- Security systems and smart locks
- Freeze sensors and backup battery systems
- Smart thermostats tied to HVAC and fire risk
Pair that with a clean maintenance record—like HVAC service, roof work, or plumbing upgrades—and Homefile becomes your home’s risk-reduction resume.
- Homeowners who track smart devices and maintenance with Homefile often unlock 5–20% in premium reductions, depending on the insurer.
3. Earn Resilience Credits with Climate and Disaster Prep
Today’s insurance companies aren’t just looking at square footage—they’re factoring in how well your home can withstand disaster. Proactive homeowners can now access real savings by showing that their homes are resilient, from wildfires and floods to hurricanes, hail, and earthquakes.
Homefile makes it easy to track and document climate-conscious upgrades that reduce risk—and, in many cases, lower premiums. Seamlessly document and prove upgrades like:
- Fire-resistant roofing, ember-resistant vents, and defensible landscaping
- Impact-resistant windows, hurricane shutters, and reinforced garage doors
- Flood-resistant barriers, sump pump systems, and backflow valves
- Seismic retrofits, foundation bracing, and gas shutoff valves
- Backup power systems like solar batteries or generators
With Homefile, you can attach receipts, permits, and before/after photos to your profile—creating a verified record of improvements that can be shared with your insurer at renewal time.
- The more resilient your home, the lower your risk. And with Homefile, you have the proof to back it up when it matters most. In high-risk areas, some insurers even require these upgrades to maintain coverage. Homefile keeps you prepared, documented, and eligible.
4. Speed Up Claims and Reduce Denials
In the event of a claim, speed and documentation matter. Homefile keeps everything you need—photos, serial numbers, service records, and receipts—organized and timestamped for fast, credible submissions.
- Faster claims
- Fewer disputes
- Reduced risk of underpayment or denial
- Improved insurer trust (which can lead to lower premiums over time)
You won’t be scrambling to remember when you replaced the roof or what that appliance cost—you’ll have the full story at your fingertips.
5. Compare What Other Homeowners Spend
With a growing community of homeowners, Homefile gives you insight into what others in similar homes or zip codes pay for insurance—and what upgrades they’ve made to reduce their costs. We don’t sell insurance. But we do help you:
- Spot overpayment
- Shop smarter
- Ask the right questions
- Negotiate like a pro
6. Stay “Insurance Ready” All Year Long
Homefile isn’t just a folder—it’s an AI-powered home manager that actively helps you stay ahead of costly surprises and insurance opportunities. You’ll get alerts when:
- It’s time to re-shop your policy
- Your home’s value or risk factors change
- An insurance-friendly upgrade could pay off
- Something needs maintenance to preserve coverage
You can even share your entire Homefile with your insurer or agent in just a few clicks.
Bottom Line:
Most homeowners are overpaying for coverage that might not even fully protect them.With Homefile, you’re not just organizing your home—you’re lowering your premiums, unlocking hidden savings, and ensuring your most valuable asset is fully protected.
