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  • Writer's picturejoseph retcho

Maximizing Your Home Insurance Discounts

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Getting a better deal on your homeowners insurance doesn't have to mean sacrificing coverage. By taking advantage of discounts offered by insurance companies, you can save money while still protecting your home. Here are some common discounts to look out for.


Best home insurance discounts

Home insurance discounts can vary, but there are some popular ones that many insurance companies offer. Here are a few to consider:


Early quote discount

If you get a quote for homeowners insurance with a future effective date, you may be eligible for an early quote discount. This can save you money if you plan ahead.

Claims-free discounts

If you haven't filed a home-related claim in a certain period, you may qualify for a claims-free discount. This can help you save on your premiums.

Safety discounts

Installing safety measures like central alarm systems or smoke alarms can earn you a safety discount on your home insurance.

Multi-policy or bundling discounts

Bundling your home and auto insurance policies with the same provider can lead to significant savings on your homeowners premiums.

New home or new buyer discounts

If you're a first-time homeowner or buying a new construction home, you may be eligible for a discount. Be sure to ask your insurance agent about these options.

Employee or military discounts

Special discounts may be available for military members or certain professions like teachers. Check with your insurance provider to see if you qualify.

Restoration discounts

If you make updates to an older home to meet current standards, you may be eligible for a restoration discount on your insurance.

New roof discount

Replacing your roof can earn you a discount on your home insurance. Be sure to ask about this if you've recently replaced your roof.

Automatic payment and paperless statement discounts

Opting for automatic payments and paperless statements can lead to additional savings on your home insurance premiums.

Discounts for retired people or seniors

Seniors may qualify for discounts on their home insurance. These discounts reward homeowners for staying close to home and taking precautions to prevent accidents.

Smart home discounts

Installing smart home technology can earn you discounts on your home insurance. Check with your provider to see what options are available.


How do home insurance discounts work?

Home insurance discounts are rewards for homeowners who take steps to reduce risks. By meeting certain criteria, such as being claims-free or installing safety devices, you can qualify for discounts. Reach out to your insurance agent to learn more about the discounts available to you.


Other ways to save on homeowners insurance costs

Aside from discounts, there are other ways to save on your homeowners insurance:

  • Get quotes for different deductible amounts

  • Install a security system

  • Consider bundling your auto and home insurance

  • Improve your credit

  • Remove high-risk items like swimming pools or trampolines

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