How to Reduce Winter Utility Bills

January 22, 2025||inPersonal Insurance|HVAC, energy efficiency, homeowners insurance, personal insurance, winter

When outside temperatures begin to drop, one of the most costly consequences is the increased energy it takes to maintain a comfortable home temperature. Though it may be tempting to simply lower the temperature on a thermostat, there are several ways to lower your utility bill while staying warm and cozy. With this in mind, consider these tips to reduce your monthly utility bills in the winter.

Outside lightbulbs
Click here to submit an inquiry to Murphy Insurance or call us at 800 222 8711
  • Look for and seal any areas where heat may escape from your home, especially around windows and doors.
  • Use a programmable thermostat to automatically lower the temperature when you are away from home.
  • Check the temperature setting of your water heater and insulate it to prevent heat loss.
  • Ensure that your vents and radiators are not blocked. This will allow warm air to circulate through your home freely.
  • Open window curtains and blinds during the day to let the sunlight warm your home, and close them at night to keep the heat from escaping.
  • Check your furnace filter and replace it if dirty.
  • Have all HVAC systems inspected by a professional before winter, and repair any leaky ductwork.
  • Shut the doors and close the vents to rooms that you are not using. Doing so will allow you to heat the rooms that are in use more efficiently.

Consider Other Sources of Energy Waste

There are other small ways that energy can be saved to reduce bills year-round. Consider taking shorter showers, fixing leaky faucets, using energy-efficient LEDs instead of incandescent light bulbs and unplugging electronics when they are not in use.

For more tips on personal risk management check out our other blog posts. For homeowners insurance guidance and solutions, contact us today.

Read Other Blog Posts

Life Insurance in Groton, MA Protecting What Matters with Murphy Insurance

Life Insurance in Groton, MA: Protecting What Matters with Murphy Insurance

For families and individuals in Groton and surrounding communities, life insurance from Murphy Insurance offers more than peace of mind—it provides a solid foundation for long-term financial security. Whether you’re safeguarding loved ones, covering debts, or planning for the future, our personalized life insurance solutions are designed to fit your goals and budget. From affordable term life to permanent protection and full-service planning, our Groton-based team is here to help you protect what matters most with trusted guidance, top-rated options, and local expertise.
Read more
Flood Insurance May Be Critical to Safeguard Your MetroWest, Massachusetts Home

Flood Insurance May Be Critical to Safeguard Your MetroWest, Massachusetts Home

Flooding isn’t just a coastal problem—it’s a growing concern across MetroWest, Massachusetts. Whether you live in Framingham, Hudson, or Hopkinton, you may be surprised to learn your home is at risk. Learn how flood insurance can help protect your property from the damage that standard homeowners’ policies don’t cover.
Read more
Roundabout

Safe Driving Saves Money

For better or worse, your automobile insurance premium is a direct result of your driving record. While you can’t always prevent every accident or control what happens on the road, safe driving is one of the most powerful tools you have to protect both yourself and your finances. Keep reading to learn how maintain a safe driving record can lower your premium, and—as a result—protect your wallet.
Read more
Car driving

Buying a Car? Don’t Forget the Insurance Quote First!

Shopping for a new car can be exciting, but it’s crucial to check in with your agent before finalizing your purchase. Not all vehicles are created equal when it comes to insurance costs. Two cars might look similar on the outside, but one could cost you hundreds more per year to insure.
Read more
Shovel

Digging on Your Property? Here’s Why “Dig Safe” Should Be Your First Step

Under federal and state law, all homeowners and contractors are required to notify the appropriate utility companies before doing any excavation work. Keep reading to learn more about the standards for digging on your property.
Read more
What You Need to Know About Condominium Insurance in Groton MA

What You Need to Know About Condominium Insurance in Acton, MA

If you own a condo in Acton, MA, don’t assume the condo association’s master policy fully protects you. That policy typically covers the building’s exterior and shared spaces, but not the inside of your unit. Without your own Condominium Insurance, you could be on the hook for costly repairs to your walls, floors, or fixtures and replace personal belongings damaged by fire, water, or theft. It’s essential protection that helps ensure you’re not left paying out of pocket when the unexpected happens.
Read more
Sparkler 1200

Summer Fun and 4th of July Safety: Celebrating Smart

Summer is a time for BBQs, fireworks, family gatherings, and making the most of long days. Whether you’re heading to the beach, firing up the grill, or watching fireworks with the kids, safety should always be part of your celebration plans. After all, the best memories are the ones made without unexpected trips to the ER. Here’s a quick guide to help you enjoy your Independence Day and summer activities — while keeping everyone safe and sound.
Read more
Lightning

Lightning Storm Safety

Lightning storms light up the sky in dramatic fashion, but they’re also dangerous. A lightning strike can cause major injuries like burns, heart issues, or even brain damage. That’s why it’s important to know how to stay safe when one rolls into your area. Follow these helpful tips to help you stay safe.
Read more
Car in traffic

Risks of Lowering Auto Coverage

Many drivers look to reduce their auto insurance premiums by lowering coverage or dropping parts of their policy altogether. While it’s true that cutting back can save a few dollars in the short term, the long-term consequences of being underinsured can be financially devastating—especially in the aftermath of a serious accident. Learn about ways you can save without exposing yourself to major financial risk.
Read more

Visit Our Homeowners Insurance Page

Homeowners Insurance

At Murphy Insurance, we take great care in assessing your options for homeowners insurance to ensure that you receive the most favorable value. Our dedication to serving you entails collaborating with highly-rated insurance providers and conducting comprehensive assessments of available choices. Our goal is to achieve the ideal equilibrium between affordability and coverage that suits your unique needs. Please let us provide you with a customized homeowners insurance quote.