5 Ways to Save on Home Expenses Before the End of the Year

As the holidays approach, most people think about spending more—but this time of year is also perfect for finding ways to save. With a few smart updates and check-ins, you can lower your bills, prep your home for 2026, and even take advantage of current energy credits.

Here are five easy ways to get started.

1. Review Your Home Insurance

Florida insurance rates have shifted a lot in recent years. Before your renewal date, take a moment to shop around or talk with your agent. You might be able to save by bundling home and auto, slightly adjusting your deductible, or applying new discounts for upgrades like impact windows or a newer roof.

💡 Tip: Ask your provider about updated wind-mitigation credits—they can make a big difference on your premium.

2. Get a Free Home Energy Audit

A small air leak or inefficient system can quietly drive up your power bill. Local utilities across Central Florida offer free energy audits to help pinpoint where your home can be more efficient:

• OUC Home Energy & Water Audit: OUC will send an expert to inspect your home, review your energy use, and even help fund qualifying efficiency upgrades.
• Duke Energy Florida Home Energy Check: Duke’s free in-home or virtual energy assessments identify ways to save, with rebates for improvements like A/C tune-ups, attic insulation, and smart thermostats.

3. Take Advantage of Active Energy Credits & Exemptions

Federal tax credit: Many upgrades—including insulation, efficient windows, exterior doors, or heat pumps—qualify for the Energy Efficient Home Improvement Credit

4. Schedule Preventive Maintenance Before It Gets Pricey

A little upkeep now prevents big expenses later. Have your HVAC system serviced, clean dryer vents, and check plumbing for leaks before year-end.

5. Check Your Property Taxes & Homestead Exemption

If your home is your primary residence, make sure your Homestead Exemption is filed—it can lower your property taxes significantly. You can also look into additional exemptions for seniors, veterans, or widowed homeowners. 

💡 Tip: The filing deadline is March 1, but verifying now gives you plenty of time to fix paperwork issues or claim new credits. You can file the exemption through your County's Property Appraiser website.

Bonus: Explore Local Rebates

• OUC Efficiency Delivered Program – May cover up to $2,500 in approved efficiency improvements.
• Duke Energy Smart $aver Program – Offers rebates for upgrades such as heat pumps, duct sealing, and A/C maintenance.

Final Thoughts

A few smart moves before the year ends can set you up for a more affordable and energy-efficient 2026. Whether it’s checking your insurance, tightening up your home’s efficiency, or tackling maintenance early, small steps now can lead to real savings later.

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