Reduce Homeowners Insurance Costs While Protecting Your Investment


There’s been plenty of discussions recently about how homeowners can help ensure their most valuable investments, such as their homes while protecting their families for the unexpected. Midwest Electric and Generator is the only Premier Dealer within the 5-state region servicing Minnesota, Wisconsin and North Dakota with local offices throughout the Twin Cities, Metro and Northern Minnesota. Our team of experts have over 25 years of experience in the “peace-of-mind” industry. Midwest understands what is most important when it comes to safety and reliable backup power solutions.

According to the Insurance Information Institute, making your home more storm-resistant and purchasing a home security device are two of the best ways you can reduce your homeowners insurance rate.

To reduce the number of insurance claims that homeowners make after a storm, many insurance carriers offer a “loss mitigation credit,” or something similar. This loss mitigation credit reduces a homeowner’s insurance rate for investing proactively to avert losses and subsequent insurance claims.

For example, installing an automatic home standby generator is one way to keep your home safe in the aftermath of a severe storm, while potentially reducing a homeowner’s insurance rate. Automatic standby generator systems keep the power on when a home’s primary power source goes out, which is a common occurrence in today’s world. This allows homeowners to run appliances like air conditioners, heaters, sump pumps, refrigerators, security systems, clothes washers/dryers, and lights, thus helping ensure their home remains safe and comfortable for the entire family.

Automatic standby generators are typically viewed by the insurance industry as a theft-prevention mechanism. Insurance carriers may award policy premium discounts to homeowners whose property is equipped with an automatic standby generator because it keeps the home inhabited and ultimately deterring theft when the power goes out. Obviously, any potential discounts should be discussed with an insurance agent or insurance company prior to purchasing a backup power solution like an automatic standby generator.

Midwest Electric and Generator offers 18-Months Interest-Free financing as well as the best brands in the market like Generac, Kohler, Briggs & Stratton, Cummins and MTU Onsite Power.

To learn more about how standby generators can protect your home and family during a storm or power outage, call us at 612-284-1550 or visit