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April 2026

Going Green Every Day: Simple Swaps for a Stronger, Smarter, More Sustainable Home

Explore how a few purposeful upgrades can shrink your footprint, slash your bills, and protect your home against the unexpected.

Summary

  • Sustainable choices can help reduce your environmental footprint and make your home more resilient.
  • Household leaks waste nearly 1 trillion gallons of water annually nationwide. Automatic water shut-off devices help stop the flow before a drip becomes a disaster.
  • Choosing recycled plastic or longer-lasting roofing materials can help keep waste out of landfills.
  • ENERGY STAR-certified upgrades can cut the average utility bills.

Sustainable and resilient home upgrades are increasingly one and the same. An automatic water shut-off valve that can stop a pipe rupture in seconds may save your floors, your walls, and your sanity. This Earth Day, we’re sharing ways to make your home a little “greener” and a lot stronger for the future.

Rethink your roof.

An estimated 11 million tons of shingle waste is generated in the U.S. each year. Asphalt shingles have a lifespan of about 12 to 25 years, and while the material can be recycled, the overwhelming majority still end up in landfills.

Several alternative roofing materials on the market now are more sustainable and designed to last longer:

  • Metal roofing is 100% recyclable at the end of its lifespan, which can stretch 50 years or more. It can reflect solar heat, which may reduce cooling costs by as much as 25%, according to industry estimates, and tends to perform well in wind, hail, and fire conditions.
  • Recycled composite or rubber shingles are made from reclaimed materials like rubber tires and plastics, helping divert waste from landfills. They can offer Class 4 impact resistance and lifespans of 40 to 50 years, and can mimic the appearance of slate, cedar shake, or tile. Some manufacturers also recycle homeowners' used shingles.
  • Synthetic materials are often made from recycled rubber, plastics, and polymer composites. They can provide the look of natural slate at a fraction of the weight, with lifespans of 50 to 100 years, and without the same structural-support requirements as slate.

Stop the drip before it becomes a disaster.

Water damage can be a quiet catastrophe of homeownership. According to the Environmental Protection Agency’s WaterSense program, the average household wastes nearly 10,000 gallons of water each year through leaks, creating nearly 1 trillion gallons of water waste nationwide annually.

Automatic water shut-off devices can be among the smartest tools for combating water waste. These systems continuously monitor water flow and, when they detect irregular water use—a pipe rupture or a toilet supply line running for hours—they shut the water off automatically.

  • Machine-learning systems can be well-suited to full-time residences. They may take several weeks to learn your household’s normal water-use patterns—when you shower, when irrigation runs, or when the dishwasher kicks on—and then flag deviations that suggest a leak.
  • Time-based or threshold systems may be better for seasonal or secondary homes, where usage patterns aren’t consistent enough to train a learning model. These devices monitor flow over time and shut off water if flow exceeds a set duration or volume.

In some cases, condo owners don’t have access to the building’s water main, so installing a whole-unit shut-off system isn’t possible. Instead, residents can use localized sensors—placed near toilets, sinks, or washing machines—linked to a mobile app that can alert them to a leak. These alerts can help you respond quickly and may help protect neighbors in units below. 

Seal the deal with energy-efficient windows and insulation.

Your money may be slipping out of your window right in front of your eyes. Think of your weatherstripping and caulk like a thick, cozy sweater for your home. When it’s in good condition, you stay warm year‑round. When holes start forming, and it gets loose, you feel every breeze seep through. Over time, your dollars drift right out of your home.

According to the U.S. Department of Energy, homeowners can save 5-30% per year by reducing drafts in a home. You can prevent money from leaking out of your doors and windows by making energy-efficient swaps:

  • ENERGY STAR-certified windows may lower household energy bills by an average of up to 13%, according to ENERGY STAR.
  • Air sealing and insulation can save an average of 15% of a home’s total energy costs annually.
  • WaterSense-labeled fixtures and ENERGY STAR appliances may cut water and energy use by 20% or more and could save the average household $380 per year in utility costs.

Heat smarter, not harder.

Nearly half of the average American home’s energy bill goes to heating and cooling— that's more than $900 per year. The next great nail-biting mystery shouldn't be your monthly energy bill. Instead, a few smart, but low-effort upgrades can help cut costs and restore balance.

A smart thermostat is a relatively simple upgrade that can help reduce energy bills by learning your schedule and adjusting automatically.

ENERGY-STAR-certified HVAC systems may also save homeowners $140 annually on heating and cooling costs.

Go green and resilient.

Taking care of the planet is everyone’s responsibility—and taking care of your insurance needs is our responsibility. If you’d like to strengthen your home’s resilience, our experienced insurance professionals can assess your property and help identify upgrades that could have the greatest impact. Contact our Risk Advisory team for guidance on the most practical, eco-friendly improvements that suit your home and lifestyle.

Request an insurance review with an experienced Personal Risk Advisor to ensure you're adequately insured for whatever life may bring.

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