Did you know, Your insurer may reward you if you install a generator. A working generator helps ensure that systems and appliances run by electricity—such as central air conditioning units, dehumidifiers, refrigerators, and sump pumps—continue to operate during and after a power outage
Maintaining those systems can reduce the likelihood of costly mishaps and insurance claims for perils such as basements flooded from burst pipes. (Homeowners insurance covers flooding caused by a malfunction in your own home's systems; for flooding caused by water or mud coming from the outside, you'll need flood insurance.)
The discount: For example, Amica offers discounts of 4 to 10% on the property portion of its homeowners policy, if you have an automatic generator. The specific discount depends on where you live.