A green home is constructed with renewable, recyclable building materials and low emission paints and carpets. Homes that are certified green by the U.S. Green Building Council (USGBC) or Earth Advantage have energy-efficient heating and lighting and have ventilation systems designed to ensure healthy indoor air.

According the USGBC, green homes use 40 percent less energy and 50 percent less water than standard homes. Toxin-free materials help reduce indoor air pollution; special ventilation systems circulate fresh air, resulting in less potential for mold.

Green homes are as comfortable as traditional homes, but have superior air quality and use less energy, water and natural resources. They are healthier for the people living inside, and they save money on utility bills.

Owners of green homes appreciate knowing they have reduced their carbon footprint.

Fireman’s Fund is the first insurance company to offer green home coverages to environmentally minded customers. Fireman's Fund coverage pays for homeowners with certified green homes to rebuild using green materials that meet current certification standards.

Owners of traditional homes can buy our optional green upgrade that allows them to rebuild using green materials, following a loss.

If you already have a green home, you definitely need insurance to protect your green investment.

If you are environmentally conscious and would like to upgrade your home with green materials, you should consider our green upgrade endorsement that provides for replacing damaged materials and appliances with green alternatives, following a loss.

Our Certified Green Dwelling coverage protects the existing features of certified green homes by replacing them with green materials that meet today’s requirements for certification. You can rest assured your green home will still meet green standards. Additionally, we cover extra expenses incurred if a power generator or an alternative water system is damaged.

We believe customers with green-certified homes share our commitment to a safe environment, so they receive a five percent discount* on the Prestige® Home Premier base premium.

* This is subject to the terms of the policy and may not be available in your state.

Our optional green upgrade pays for rebuilding your traditional home with energy-efficient, green materials and appliances after a loss. You will be able to use sustainable wood, buy ENERGY STAR® appliances and hire green industry professionals to help with planning and construction. The coverage also pays for environmentally sensitive demolition and debris removal.

If you have a total loss, we will pay to rebuild your home to meet certified green standards.*

* Subject to terms of the policy.

Upgrading a home with green materials and appliances does not usually take significantly more time. However, our Prestige® Home Premier policy pays for living expenses. We provide ample time for you to begin reconstruction.

So you can relax, knowing that your home will be rebuilt with attention to all the details.

Fireman’s Fund is a company of Allianz SE, one of the world’s largest providers of insurance and financial services. Allianz SE ranks among the top sustainable companies in the Dow Jones Sustainability Index, (as of September 15, 2010) and is committed to reducing its carbon footprint 20 percent by 2012.

We share their commitment to the environment by promoting the use of sustainable building materials and environmentally sensitive debris removal and recycling. We were the first to offer green insurance in 2006, and we remain the leader in innovative green insurance and related services.

> Learn more about our commitment.