Homeowner's Insurance Costs Impacted by Roofing Material Choice

The Guardian
Sep 9, 2025
4 min read

Updated: Sep 19, 2025

When it comes to homeownership, many factors contribute to the overall cost of maintaining a property. One often-overlooked aspect is the selection of roofing materials. The type of roofing you choose can significantly impact your homeowner's insurance costs. Understanding this relationship can help you make informed decisions that protect your home and save you money in the long run.

The Importance of Roofing Material

The roof is one of the most critical components of a home. It protects against the weather, enhances energy efficiency, and greatly affects the overall look of the property. However, not all roofing materials are equal. Different materials have varying levels of durability, resistance to storms, and fire ratings, all of which can influence your insurance premiums.

For example, a home with a metal roof has a 20% lower risk of wind-related damages compared to one with asphalt shingles. This lower risk profile can lead to substantial savings on insurance.

How Roofing Material Affects Insurance Premiums

Insurance companies assess risk when determining premiums. If your roof is made from materials that are prone to damage, your insurer may view your home as a higher risk. This leads to increased premiums. In contrast, selecting materials recognized for their durability can qualify you for reductions in rates.

For example, roofs with asphalt shingles might appear cheaper initially, but they are more vulnerable to hail and wind damage. Homes with asphalt roofs can see insurance costs increase by as much as 10% compared to those with metal or tile roofing.

Types of Roofing Materials and Their Impact

Asphalt Shingles

Asphalt shingles are the most common roofing material in the United States, accounting for about 70% of residential roofs. Their affordability and quick installation make them popular. However, they typically last only 15 to 30 years and are more susceptible to severe weather. In regions prone to hurricanes, homeowners could face insurance premium increases of up to 15%.

Metal Roofing

Metal roofing is becoming increasingly popular due to its durability and lifespan. It can withstand extreme weather conditions, such as heavy snowfall and high winds, with minimal damage. Metal roofs are non-combustible, giving them the highest fire-resistance rating possible. In regions prone to wildfires or electrical storms, this can be a significant advantage. Insurance companies often reward homes with metal roofs with discounts of 5% to 35% due to their low risk of requiring extensive repairs.

Tile Roofing

Tile roofs provide an attractive option and are built to last. They can endure harsh weather and resist fire, offering a lifespan that often exceeds 50 years. Homeowners with tile roofs can see reductions in their insurance rates of up to 15%, making them a compelling choice for long-term savings.

Wood Shingles and Shakes

Wood shingles and shakes have a distinct natural look but require more maintenance. They are at a higher risk of fire damage, which can lead to increased insurance costs. Homeowners with wood roofing could face premiums that are up to 10% higher than those with more resilient materials.

Additional Factors to Consider

While roofing material is a significant factor in determining insurance costs, other elements can also affect your premiums. The age and condition of your roof, along with the geographical area of your home, can play a role. For instance, homes in regions frequently hit by hurricanes, hail, tornadoes, or wildfires may face higher insurance rates, regardless of roofing material.

Some insurers provide discounts for homeowners who reinforce their roofs or install impact-resistant materials. A Class 4 impact-resistant metal roof can significantly lower your premium in hail-prone areas. Some states, like Texas, may even require insurance companies to offer this discount.

How Can Homeowners Save Money on Insurance?

To save money on your homeowners insurance policy, consider these strategies:

Choose Durable Materials: Opt for roofing materials known for their longevity and damage resistance, such as metal or tile which can post a Class IV Hail Resistance label.
Regular Maintenance: Conduct regular inspections and maintenance on your roof to catch small issues before they escalate.
Upgrade Your Roof: If your roof is nearing the end of its lifespan, consider upgrading to a more durable material. This investment can yield lower insurance premiums and long-term savings.
Shop Around: Different insurance carriers have varying policies and rates. Comparing quotes can help you find better coverage options suited to your needs.
Inquire About Discounts: Always ask your insurance provider if they offer discounts for specific roofing materials or home improvements.

The Long-Term Benefits of Quality Roofing

Investing in quality roofing materials not only impacts your insurance premiums but also enhances the overall value of your home. A durable roof can provide peace of mind, knowing that your property is well-protected against the elements. Additionally, energy-efficient roofing options can help reduce your utility bills, contributing to long-term savings.

Energy Efficiency and Sustainability

Choosing energy-efficient roofing materials can significantly lower your energy costs. Metal roofs, for example, reflect solar heat, keeping your home cooler in the summer. This can lead to reduced air conditioning costs and a smaller carbon footprint. Homeowners should consider the long-term benefits of energy-efficient roofing as part of their overall investment strategy.

Enhancing Curb Appeal

A new roof can dramatically improve the appearance of your home. Whether you choose metal, tile, or another material, a well-maintained roof enhances curb appeal and can increase property value. This is especially important if you plan to sell your home in the future. Potential buyers often look for homes with durable, attractive roofing options.

Final Thoughts

Choosing roofing materials is a key decision that affects not only the aesthetics and functionality of your home but also your insurance costs. By understanding how roofing material impacts homeowner's insurance, you can make smarter choices that safeguard your investment and may reduce expenses. Opting for durable materials and maintaining your roof can lower your risk in the eyes of insurers. With The Guardian Roof System, your investment in protecting what matters most is rewarded with peace of mind and long-term savings.