Home insurance discounts can add up to a meaningful saving, but insurers rarely apply all of them automatically. Use this checklist when you buy or renew a policy, and ask your insurer or agent which ones you qualify for. Names and amounts vary by company and state.
The largest discounts usually come from bundling, protective devices and a newer roof.
Many discounts need proof, such as an alarm certificate or a roof inspection.
Tell your insurer after any upgrade to your home; it may lower your price mid-term or at renewal.
Policy and loyalty discounts
1. Multi-policy (bundle)
Buying home and auto from the same insurer is often the single biggest discount. See also our car insurance discount list.
2. Claims-free
Homes with no claims for several years often qualify.
3. Loyalty
Some insurers reward long-term customers. Still compare prices; loyalty does not always mean the best rate.
4. Early quote or new purchase
Some insurers discount policies bought several days before they start, or for recently purchased homes.
Home safety and security discounts
5. Monitored security system
Central-station monitored burglar and fire alarms usually earn more than local alarms.
6. Smoke detectors, fire extinguishers and sprinklers
Basic fire safety devices can qualify, and residential sprinkler systems may earn more.
7. Water leak detection and automatic shut-off
Because water damage is one of the most common claims, some insurers now reward smart leak detectors and shut-off valves.
8. Deadbolts and smart locks
Basic security improvements may qualify with some companies.
Construction and upgrade discounts
9. New or impact-resistant roof
A newer roof, or one rated for hail resistance, can reduce premiums in many states.
10. Updated systems
Recent upgrades to electrical, plumbing and heating reduce fire and water risk.
11. Wind or storm mitigation
In hurricane-prone states, features such as roof-to-wall straps and storm shutters can earn significant credits, often after a wind mitigation inspection.
Personal discounts
12. Paperless, autopay and pay-in-full
Small but easy savings for going paperless and paying automatically or upfront. Some insurers also offer discounts for retirees, non-smoking households or certain professions.
How to claim your discounts
List your home’s safety features, roof age and recent upgrades.
Collect proof: alarm monitoring certificates, inspection reports or contractor invoices.
Ask your insurer for its complete discount list for your state.
Compare the final price after discounts across several insurers.
