Home Insurance Discounts: 15 Proven Ways to Save in 2025
Home Insurance
Home insurance can be expensive, but there are numerous discounts available that can significantly reduce your premium. Here are 15 proven ways to save money on your homeowners insurance policy.
Smart homeowners can stack savings via safety upgrades, renovations, bundling, and a clean claims record to save 10%–30%.
Security and Safety Discounts
1. Security System Discount
Installing a monitored security system can save you 5-15% on your premium.
2. Smoke Detector Discount
Having working smoke detectors throughout your home typically saves 2-5%.
3. Deadbolt Lock Discount
Installing deadbolt locks on exterior doors can reduce your premium by 2-5%.
4. Fire Extinguisher Discount
Having fire extinguishers in your home may qualify for a small discount.
Security & Safety Savings Snapshot
| Discount | Typical Savings | Notes |
|---|---|---|
| Security System | 5–15% | Monitored alarm preferred |
| Smoke Detectors | 2–5% | Whole-home coverage |
| Deadbolts | 2–5% | All exterior doors |
| Fire Extinguishers | Small | Check expiry regularly |
Home Improvement Discounts
5. New Home Discount
Homes less than 10 years old often qualify for discounts of 5-10%.
6. Renovation Discount
Recent major renovations (roof, electrical, plumbing) can reduce premiums.
7. Impact-Resistant Roof Discount
Installing impact-resistant roofing materials can save 5-25%.
Home Improvement Savings
| Improvement | Typical Savings | Focus |
|---|---|---|
| Newer Home (<10y) | 5–10% | Lower overall risk |
| Major Renovations | Varies | Roof/Electrical/Plumbing |
| Impact-Resistant Roof | 5–25% | Bigger benefit in high-risk areas |
Loyalty and Payment Discounts
8. Loyalty Discount
Staying with the same insurer for 3+ years can save 5-10%.
9. Automatic Payment Discount
Setting up automatic payments typically saves 2-5%.
10. Paperless Billing Discount
Going paperless can save a small amount, usually 1-2%.
Loyalty & Billing Savings
| Program | Typical Savings | Notes |
|---|---|---|
| Loyalty (3+ years) | 5–10% | Renewal incentives |
| AutoPay | 2–5% | Reduce missed payments |
| Paperless | 1–2% | Eco-friendly, small discount |
Bundling and Multi-Policy Discounts
11. Multi-Policy Discount
Bundling home and auto insurance can save 5-25%.
12. Multi-Home Discount
Insuring multiple properties with the same company saves money.
Bundling can save money, but verify deductibles and limits across policies to avoid gaps in critical coverage.
Lifestyle and Risk Reduction Discounts
13. Non-Smoker Discount
Non-smoking households can save 5-10%.
14. Retiree Discount
Retirees often qualify for discounts of 5-10%.
15. Claims-Free Discount
Going 3+ years without a claim can save 5-15%.
Additional Savings Strategies
Shop Around Annually
Compare quotes yearly to capture better rates and discounts.
Raise Your Deductible
From $500 to $1,000 can save about 10%–25%.
Review Coverage
Avoid over/under-insuring; focus on core risks.
Conclusion
By taking advantage of these discounts and strategies, you can potentially save hundreds of dollars annually on your home insurance. Contact your insurance agent to discuss which discounts you may qualify for, and don't forget to shop around regularly to ensure you're getting the best rate.