Fireman’s Fund Insurance Co. is now offering ‘green’ homeowner’s insurance to consumers in the state of Minnesota. This is the first-ever admitted green insurance available to homeowners in the state.Fireman’s Fund (www.firemansfund.com/green) is setting a new standard in offering this innovative product to homeowners who currently own green homes or who want to upgrade their residences with green features after a loss using environmental safety and efficiency standards. If a home is destroyed, it can be rebuilt to green standards, certified as having Leadership in Energy and Environmental Design status (LEED , www.usgbc.org/leed).
Fireman’s Fund customers may purchase the green coverage for a nominal amount, starting at as little as $25 a year. In addition, homeowners whose residences are already green will be offered a five percent discount on this coverage, applied to the homeowner premium.
A green home uses less energy, water and natural resources, and creates less waste. Studies have shown that residents have better overall health and productivity as a result of reduced exposure to mold, mildew and indoor toxins. According to the National Center for Healthy Housing (www.centerforhealthyhousing.org), homeowners can expect substantial health gains by building green.
With this new coverage, homeowners will be able to rebuild and replace with green alternatives such as:
- Energy Star®-rated appliances, lighting, electronic equipment and roofing / insulation
- An Energy Star upgrade of heating, ventilation and air-conditioning systems
- Forest Stewardship Council (www.fcsus.org) certified wood for millwork, ceilings, siding and framing, including bamboo flooring
- Non-toxic, low odor paints and carpeting
- Water-saving plumbing fixtures
- Elimination of ozone-depleting refrigerants and fire extinguishing agents, replaced with environmentally friendly alternatives
- Debris removed after damage to a home will be recycled and diverted from landfill.
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