Common home insurance discounts include bundling with auto, new home construction, security systems, claims-free history, and updated roof/electrical/plumbing. Most homeowners qualify for several, and most discounts stack. Discount sizes vary by carrier, so we compare which carrier rewards your profile best across 22+ carriers.
Your home insurance premium is not set in stone. In fact, most carriers offer a long list of discounts that can shave hundreds of dollars off your annual bill — but here is the problem: many homeowners never find out about them. Captive agents may not mention every discount. Direct carriers bury them in dropdown menus. And nobody sends you a letter saying, "Hey, you qualify for a discount you have been missing for three years."
As an independent agency representing 22+ carriers, we see every discount every carrier offers. And we can tell you from experience: most homeowners are leaving money on the table. Let us walk through 15+ discounts that could lower your premium starting today.
The Discounts You Probably Know About
1. Multi-Policy (Bundling) Discount
This is the big one, and most people are at least aware of it. Bundle your home and auto insurance with the same carrier, and you will usually earn a multi-policy discount — we compare which carrier's bundle prices best. Some carriers extend this to umbrella, landlord, or even boat policies. It is the single largest discount available to most homeowners.
2. Claims-Free Discount
If you have not filed a claim in three to five years, most carriers reward you with a claims-free discount. The size depends on the carrier and how long your clean record extends. Some carriers start the discount at three years; others require five. Either way, it pays to avoid small claims that you can handle out of pocket.
3. New Home Discount
Bought your home in the last few years? New construction and recently purchased homes often qualify for discounts because newer systems (plumbing, electrical, HVAC, roof) mean lower risk. This discount typically phases out after 5 to 10 years of ownership.
The Discounts You Might Be Missing
4. Protective Devices Discount
Smoke detectors, fire extinguishers, deadbolt locks, and security cameras all qualify for protective device discounts. Most homes already have smoke detectors — but did you tell your insurance company? If not, you may be missing a free discount.
5. Monitored Alarm System Discount
A professionally monitored burglar alarm or fire alarm system goes beyond basic protective devices. Because the monitoring service dispatches emergency responders automatically, carriers view this as a significant risk reducer. Expect a meaningful discount with many carriers. Even smart home security systems like Ring or SimpliSafe can qualify with some carriers.
6. Water Leak Detection Discount
This is one of the newer discounts in the industry, and it is growing fast. Water damage is the most common homeowner claim, so carriers love it when you install water leak sensors or automatic shut-off valves. Systems like Flo by Moen, LeakSmart, or even basic Wi-Fi leak sensors can earn you a discount with carriers that offer one.
7. New Roof Discount
Your roof is the number one factor in your home insurance pricing. A roof that is less than 10 years old typically prices better than an aging roof. Some carriers will not even write a policy if your roof is over 20 years old. If you have replaced your roof recently, make sure your agent knows — and ask for an updated quote.
8. Wind Mitigation Discount
In wind-prone areas (including parts of Texas and the broader Midwest), features like hurricane straps, impact-resistant shingles, and reinforced garage doors can earn significant discounts. In Texas especially, a wind mitigation inspection can lower the wind/hail portion of your premium with carriers that credit it.
9. Age 55+ or Retiree Discount
If you are 55 or older — especially if you are retired — you may qualify for a mature homeowner discount. The logic is straightforward: retirees are home more often, which means faster response to emergencies and less vacancy risk. The size of the discount varies by carrier.
10. Paid-in-Full Discount
Paying your annual premium in one lump sum instead of monthly installments saves the carrier billing and processing costs. They pass some of that savings to you, usually in the form of a paid-in-full discount. If you can swing it financially, paying in full is one of the easiest ways to save.
11. Paperless and Autopay Discount
Opting for electronic documents and automatic payments saves carriers money on printing and collections. Many now offer a discount for each — and some let you combine both. It takes about two minutes to set up and the savings recur every year.
12. Loyalty Discount
Some carriers offer increasing discounts the longer you stay. After three to five years, some carriers apply a loyalty discount. However, here is the catch — sometimes the loyalty discount does not keep pace with rate increases. That is why it helps to work with an independent agent who reviews every renewal and re-shops when an increase is out of line. Loyalty should save you money, not cost you money.
13. Gated Community Discount
Live in a gated community or a building with controlled access? The reduced risk of theft and vandalism can earn you a discount with many carriers. This one is often overlooked because agents do not always ask about your community's access controls.
14. Association or Affinity Discount
Some carriers offer group discounts through alumni associations, professional organizations, employer groups, or even credit unions. AAA members, AARP members, college alumni, and military veterans often qualify. These discounts are easy to miss if your agent does not ask.
15. Recent Renovation Discount
Updated your kitchen, bathrooms, electrical, or plumbing in the last few years? Some carriers reward major renovations with a discount because modernized systems reduce the risk of fire, water damage, and electrical failure. Savings vary by carrier.
16. Non-Smoker Discount
Believe it or not, some home insurance carriers offer a discount if no one in your household smokes. Smoking is a leading cause of house fires, so non-smoking households represent lower risk. Not every carrier offers it, so it is worth asking.
Paying too much for insurance? We compare rates from 22+ carriers to find you better coverage for less — free, no obligation, about 20 minutes.
Discount Summary Table
| Discount Type | Who Qualifies |
|---|---|
| Multi-policy (bundling) | Home + auto with same carrier |
| Claims-free | No claims in 3–5 years |
| New home | Home built or bought recently |
| Protective devices | Smoke detectors, deadbolts, etc. |
| Monitored alarm | Professional monitoring service |
| Water leak detection | Leak sensors or auto shut-off |
| New roof | Roof less than 10 years old |
| Wind mitigation | Impact shingles, hurricane straps |
| Age 55+ / retiree | Homeowner age 55 or older |
| Paid-in-full | Annual premium paid up front |
| Paperless + autopay | E-docs and automatic billing |
| Loyalty | 3–5+ years with carrier |
| Gated community | Controlled-access neighborhood |
| Association / affinity | Alumni, AAA, AARP, military, etc. |
| Recent renovation | Updated systems in last 5 years |
| Non-smoker | No smokers in household |
How Discounts Stack Up
The best part about home insurance discounts is that most of them stack. You can combine a bundling discount with a claims-free discount with a new roof discount with a paid-in-full discount — and the savings compound. Which discounts you qualify for, and how much each one is worth, depends on the carrier, so the same profile can come out very differently from one company to the next.
That is why we look at discounts and base rate together: we compare your fully discounted premium across 22+ carriers, not just the list of discounts one carrier offers.
Why Your Current Agent May Not Be Applying All Your Discounts
There are a few reasons discounts get missed. First, some discounts require the homeowner to self-report — your carrier does not know you installed a water leak sensor unless you tell them. Second, captive agents only know about one carrier's discounts. An independent agent who works with 22+ carriers knows every discount across every carrier and can match you with the carrier that rewards your specific profile the most.
Third, some agents simply do not ask enough questions. At Better Choice Insurance Group, we use a detailed questionnaire that covers every potential discount. It is designed to catch discounts a previous agent may never have applied.
Take Action Today
Here is a quick action plan: review this list, note which discounts apply to your situation, and call your agent. If your agent cannot apply them or if you are not sure you are getting every discount you deserve, get a free quote from Better Choice Insurance Group. We will run your information across 22+ carriers, apply every eligible discount, and show you the best available rate. Call us at (847) 908-5665 or start your quote online. It takes about 20 minutes, and it is free with no obligation.
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About the author
April Wilson — Client Success Specialist at Better Choice Insurance Group, an independent insurance agency in St. Charles, Illinois. This article was reviewed by Evan Larson, Licensed Insurance Agent.
Last reviewed: August 2026