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Your homeowners insurance provider may decrease your premium if you improve the security of your home with window security film. You can contact your insurer to determine whether there will be a change in cost after applying this addition. If there is a decrease in your homeowners insurance premium or deductible, it will likely only be available if your window film is installed by a professional window film installer.

The most popular tint percentage for home windows is 35%. Generally, most homeowners choose a visible light transmission (VLT) between 50% and 35%, where lower numbers mean less sunlight enters the home. A 35% tint blocks over half the incoming light while still allowing plenty of natural light, which can improve energy efficiency and comfort. If privacy is a primary concern, you can opt for a tint of 50% or lower to make it more difficult for people to see inside. However, keep in mind that very dark, thick tints may offer fewer energy-efficiency benefits.

Unlike cars, there are no laws regulating window tint percentages on homes, so you can choose what you think is best. It is often a good idea to hire a professional, as they can show you samples of how different tint levels will look in your specific property, helping you make the right choice.

Energy-efficient windows are judged on their performance according to a few different factors, including heat transfer, air leakage, light transference, and condensation resistance. If you're unsure whether a window is energy-efficient, look for an ENERGY STAR® label from the U.S. Environmental Protection Agency (EPA). If various products, including windows, meet energy-efficiency standards set by the federal government, the EPA issues this label to help consumers identify energy-efficient products.

Window security film won’t prevent break-ins or stop your window from shattering from impact during extreme weather like hurricanes or tornadoes. However, applying security film is relatively inexpensive, and it can make breaking into your home significantly harder—often hard enough to deter burglars entirely—and keep your window from shattering on your floor after impact. For these reasons, window security film is often a worthwhile investment that helps protect your property.