Homeowners Insurance Discounts

Stacking discounts can save you big.

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Homeowners insurance discounts can vary by company. This list can help you have an informed conversation with your agent. As an independent agency we have access to dozens of insurance companies to make sure we maximize your discounts and find the perfect fit.

Multi-policy discount

Bundling together your homeowners insurance with other qualifying policies is generally one of the biggest discounts you can earn at 10-25%. Other policies to bundle can include, auto, second home, motorcycle and umbrella.


Receive a discount if you own more than one home and insure them with the same company.

Quote in advance

Request a quote prior to the effective date of your policy. The days in advance required vary by insurance company but tend to be around 7 days.

Claims free

Earn a discount for not having any claims. Typically, you must be claims free for 5 years.

Security system

There are different levels of discounts for central reporting, police and local burglar alarm systems.

Protective devices

Qualifying devices include deadbolt locks, fire extinguishers, smoke detectors and carbon monoxide detectors.

Smart home

Reduce your insurance cost by installing smart home devices such as moisture sensors, cameras, lights, thermostats, door locks and window and door sensors.

Automatic water shutoff system

These systems can automatically shut off water to the house if a water sensor picks up an unusual amount of moisture in the air. You can also connect these systems to a smart phone app and shut the water off manually.

Whole house generator

Insurance companies like these because they can reduce further damage such as freezing pipes due to loss of heat.

Fortified home

Qualify by having your roof, windows, doors and more updated to meet the standards required to protect against severe weather events. Learn more at the Insurance Institute for Business and Home Safety.

Roof age

A newer roof may result in a discount. New materials are less likely to sustain damage which makes insurance companies happy.

New construction

The age of the home will vary by company but typically it ranges from brand new to a few years old.

Renovated home

The renovated home discount generally requires extensive updates to systems such as electrical and plumbing. These are two areas that have a higher likelihood of causing damage as they get older.

Green home

To qualify your home may be required to have appliances and building materials that are considered energy and water efficient as well as environmentally sustainable.

Gated community

Gated communities offer an extra layer of protection against theft and can reduce your homeowners insurance cost.


Non-smokers can enjoy a discount as a result of lowering the risk of fire in the home.

Homeowners association

Receive a discount if you belong to a homeowners association (HOA).

No mortgage

Save on homeowners insurance cost if you do not have a mortgage on your home.


You may receive a discount depending on your occupation. Occupations that require a college degree have the largest savings.


Get a price break if you are retired. You earned it!


First and foremost, thank you for your service. If you're active duty or retired military, many insurance companies will apply a nice discount.


Save if you've been with your insurance company for a certain amount of time. The time required to qualify will vary by company.

Pay in full

Pay your annual premium in full instead of monthly or semi-annually.

Automatic payments

Reduce your cost by setting up automatic payments instead of manually making your payment. This is not an option if your homeowners insurance is paid through an escrow account with your mortgage.

Paperless billing

Save money and clutter in your mailbox. With paperless billing your invoice will be sent be email.

Paperless policy

Choose to have your policy sent to you by email rather than paper mail and receive a discount.

How to maximize your discounts

With so many homeowners insurance discounts from different companies it can be difficult deciding who to work with. We recommend going through your proposal with your agent to make sure you're actually receiving all the discounts you qualify for. It's also a good idea to work with an agency who performs annual reviews. Things change and there may be new discounts you're eligible for.

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