Home insurance is essential for protecting your property, but the costs can add up quickly. Fortunately, many insurers offer discounts that can significantly lower your premiums. Are you taking advantage of all the available savings?
In this guide, we’ll explore the best home insurance discounts in 2025, compare providers, and offer tips to maximize your savings while keeping comprehensive coverage.
Why Home Insurance Discounts Matter
1. Lower Premiums
Applying discounts can save homeowners hundreds of dollars per year on insurance costs.
2. Encourages Home Safety Improvements
Insurers reward customers who take steps to reduce risks, like installing security systems or impact-resistant roofs.
3. Bundling Benefits
Combining home insurance with auto or other policies can unlock additional savings.
Best Home Insurance Discounts in 2025
1. Bundling Discount – Save Up to 25%
How to Qualify: Combine home insurance with auto, renters, or life insurance.
Best Providers:
- State Farm
- Allstate
- Progressive
2. Home Security Discount – Save 5%-20%
How to Qualify: Install security systems, burglar alarms, or smart home monitoring.
Best Providers:
- Nationwide
- Travelers
- Liberty Mutual
3. Claims-Free Discount – Save Up to 20%
How to Qualify: Stay claim-free for a certain number of years (usually 3-5 years).
Best Providers:
- Farmers
- USAA (for military families)
- Amica
4. New Home Discount – Save 10%-30%
How to Qualify: Own a newly built home (usually within the past 10 years).
Best Providers:
- Erie Insurance
- Lemonade
- State Farm
5. Loyalty Discount – Save 5%-15%
How to Qualify: Stay with the same insurance provider for multiple years.
Best Providers:
- American Family Insurance
- The Hartford
- Auto-Owners Insurance
6. Gated Community Discount – Save 5%-10%
How to Qualify: Live in a gated or secured community with controlled access.
Best Providers:
- Chubb
- Nationwide
- Liberty Mutual
7. Senior or Retiree Discount – Save 5%-15%
How to Qualify: Be over 55 and retired.
Best Providers:
- AARP/The Hartford
- MetLife
- Farmers
8. Paperless & Automatic Payment Discount – Save 3%-5%
How to Qualify: Sign up for electronic billing and automatic payments.
Best Providers:
- Geico
- Erie Insurance
- Progressive
Cost Breakdown: How Much Can You Save?
Average Savings by Discount Type
| Discount Type | Average Savings (%) |
|---|---|
| Bundling | 10% – 25% |
| Security System | 5% – 20% |
| Claims-Free | 10% – 20% |
| New Home | 10% – 30% |
| Loyalty | 5% – 15% |
| Gated Community | 5% – 10% |
| Retiree/Senior | 5% – 15% |
| Paperless/Auto Pay | 3% – 5% |
How to Get the Best Home Insurance Discounts
Step 1: Compare Providers and Ask About Discounts
- Use online quote tools from State Farm, Progressive, and Allstate.
- Call agents directly to ask about unlisted discounts.
Step 2: Improve Home Safety
- Install fire alarms, security systems, and impact-resistant roofing.
- Consider storm shutters or earthquake reinforcements in high-risk areas.
Step 3: Stay Claim-Free
- Avoid small claims if you can cover minor repairs out-of-pocket.
Step 4: Review Your Policy Annually
- As home values and risk factors change, your eligibility for discounts may increase.
FAQs & Final Thoughts
FAQs
1. Can I combine multiple discounts?
Yes! Most providers allow stacking discounts, such as bundling with security system savings.
2. Do all insurance companies offer the same discounts?
No. Some insurers specialize in certain discounts, so it’s important to compare.
3. How do I know if I qualify for discounts?
Check with your insurer or get quotes online to see applicable discounts.
Final Thoughts
Finding the best home insurance discounts can help you save hundreds of dollars per year while maintaining full coverage.
Key Takeaways:
- Bundling and claims-free discounts offer the biggest savings.
- Security upgrades and home improvements can lower premiums.
- Compare quotes from multiple providers to maximize your savings.
Ready to save? Start comparing home insurance providers today!
