Homeowners > Discounts
Save Without Sacrificing Coverage
Protecting your home doesn’t have to come at a high cost. We shop with multiple specialty insurers to help you find quality homeowners insurance at the best price—and you may qualify for valuable discounts to save even more.
Save More on Your Coverage
We work with multiple specialty insurers to find the best coverage at the best price—and that includes helping you take advantage of home insurance discounts that may be available in your area.
Home Security Discount
You may qualify for a discount if your home is equipped with fire, smoke, or burglar alarms, or an eligible home monitoring system designed to improve safety.
Roofing Discounts
If you install impact-resistant roofing materials—such as hail-resistant or Class 4 shingles—you may be eligible for savings on your home insurance premium. Check with us before installing a new roof to ensure your materials qualify.
States where roofing discounts may apply:
Alabama, Arkansas, Colorado, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, North Dakota, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Wisconsin, Wyoming.
Wind Mitigation Discounts
In some states, homes built or retrofitted to meet certain wind-resistant construction standards may qualify for discounts. If your home has features such as reinforced roofing, impact-resistant windows, or other structural reinforcements, you could be eligible for savings.
Newer Home Discount
Homes that are newer or recently built may qualify for lower insurance rates since they are less likely to have structural or maintenance-related issues. If your home was built within a certain time frame, you could see significant savings on your policy.
Claims-Free Discount
If you have maintained a clean claims history, you may qualify for a lower premium. Insurance providers often reward homeowners who have not filed recent claims.
Loyalty & Longevity Discounts
If you have maintained continuous home insurance coverage with the same insurer or a prior carrier for multiple years, you may be eligible for additional savings.
Multi-Policy Bundling Discount
When you bundle home and auto insurance, or combine other policies like renters or umbrella insurance, you may receive a discount on each policy, helping you save even more.
Find Out How Much You Can Save
We believe in educating you on your options, providing white-glove service, and shopping with multiple carriers to help you find the best coverage at the best price.
Frequently Asked Questions About Homeowners Insurance Discounts
Are there state-specific discounts for home insurance?
Yes, available discounts vary by state and insurer. We shop with multiple specialty insurers to find the best discounts and coverage options based on where you live.
How do I become eligible for a roofing discount?
Some insurers offer discounts for homes with impact-resistant roofing materials, such as Class 4 shingles. However, many insurers also provide discounts based on roof age—regardless of the roofing type. If you’ve recently replaced your roof, you may qualify for savings. Check with us before installing a new roof to ensure eligibility.
Are there claim-free discounts for home insurance?
Yes! Many insurers offer lower premiums if you have been claims-free for three to five years. The longer you go without a claim, the more you may save.
Can I get a discount based on my home's proximity to a fire hydrant?
Yes. Homes located closer to a fire hydrant or fire station may qualify for lower premiums. Discounts are typically available if you are within 500 to 1,000 feet of a hydrant.
Do discounts affect my home insurance coverage?
No—discounts only reduce your premium, not your coverage. You’ll still receive the same level of protection while benefiting from lower rates.