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The Best Home Filter Advice: What to Buy & When to Replace

Posted by Pekin Insurance on Sep 13, 2019 in Home

4 min read

You have tons of home filter choices for your water and air systems. Weigh your options and explore the pros and cons.

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All filters purify the contents moving through them. A fuel filter helps clean fuel before it reaches your car engine. A lint filter gathers lint and fuzz from your clothes to prevent clogging in the dryer hose. The most common home filters purify air and water.

Discover the best choices for air filters, whole home water filters, and humidifiers. All pricing information listed below is accurate as of the published date.



Home Filters for Your HVAC System

Most HVAC filters in older systems don’t purify the air in your home. They  keep your system operating at peak efficiency.

You might have a newer HVAC system, though. A retrofitted system could double as an air purifier for your entire home.

The best home filters for air purification and cost effectiveness have a high Minimum Efficiency Reporting Value (MERV). A higher MERV leads to cleaner air going through your system.

The filter has to fit your system to work, so pay attention to filter size.

As a rule of thumb, you should change your filter every 30 to 60 days. This interval varies depending on how much you use the system. Check the filter on the first of every month to stay on top of this task.


Home Filters for Your Water System

Whole Home Filter

A whole home filtration system removes debris and contaminants from the water coming into your home. This system could erase odors and improve appliance life.

A whole home filtration system can cost a few hundred dollars or a few thousand dollars. This price range doesn’t include installation. After you have a whole home filtration system installed, it is low-maintenance.

The following whole home filtration systems get top marks from industry leaders and customers.

Aquasana Rhino

System price: $799

What the system removes or reduces:

 Replacement filter cartridges price:

  • $19.95 (4 pack of 10” filter)
  • $29.95 (4 pack of 20” filter)

When to change filter cartridges:

  • 1-3 months (10” filter)
  • 2-3 months (20” filter)

Available warranties: 10-year limited warranty at no additional cost


iSpring WGB22B 2-Stage 20-Inch Big Blue Whole House Water Filter

System price: $329.99

What the system removes or reduces:

  • Chlorine
  • Herbicides
  • Industrial solvents
  • Pesticides
  • Rust
  • Sediment
  • VOCs

Replacement filter cartridges price: $149.99 for two sediment filters and two CTO carbon filters

When to change filter cartridges: Once every year or every 100,000 gallons

Available Warranties

  • 3-year: $49
  • 5-year: $165
  • 10-Year: $330

Under-Sink Filter
An under-sink filtered water system purifies your drinking and cooking water. It costs much less than a whole home system. Plus, anyone with a little plumbing knowledge can install one.

These under-sink filter systems get good reviews from customers.

3M Aqua-Pure Under-Sink Water Filtration System

System price: $85

What the system removes or reduces:

  • Chlorine
  • Lead
  • Pharmaceuticals

Filter cost: a little over $30

When to change filters: every 2,000 gallons


Watts Premier 53110 Filter-Pure UF-3 3 Stage

System price: $227

What the system removes or reduces:

  • Chemicals
  • Chlorine
  • Lead

Filter cost: a little over $97 for a one-year supply

When to change filters:

  • Every six months for the sediment and carbon block filters
  • Once every year for the hollow-fiber membrane



Home Humidifier Options

So far, you have great options for cleaning the air and water in your home. What’s next?

Whole house humidifiers work to:

The most low-maintenance humidifiers work directly with your HVAC system. That’s not always an option, so here’s one installed unit and one portable unit that get rave reviews.


Aprilaire Model 700

Unit price: $264

Space covered: 4,200 square feet.

Water panel evaporator:

  • Cost: $19.99
  • Change once per year


EssickAir Tower

Unit price: $104.99

Space covered: 1,200 square feet.


  • Change every season
  • 1 filter = $12.46
  • 3-pack = 31.17
  • 4-pack = $41.57

Don’t forget about humidifier safety as you explore your options. This wikiHow guide shows three quick ways to clean out a humidifier and get rid of gross, pink residue that could build up.


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Whether you use a water filter, air filter, or humidifier, make sure you have renters or homeowners insurance to protect your investment. Get in touch with your local Pekin Insurance agent to put a plan in place today!

Contact your local Pekin Insurance agent today!


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