Whether you're a brand-new homeowner or a seasoned, sawdust-covered pro, you're probably looking for ways to save on home insurance. Check out the range of cost-cutting perks that may be available and see if a homeowners policy from Esurance or our trusted partner is right for you.
Home insurance discounts: policy level
A policy discount generally doesn't involve your actual home — or the things that do (and don't) happen to it — at all. Rather, these discounts depend on how you buy and manage your policy. In some cases, you can score perks before even setting foot inside your abode.
- Preferred Buyer discount
This home insurance discount kicks in the minute you buy your policy, simply because every new customer deserves to start off on the right foot. Then, as you pay your homeowners premium on time over the years, you can watch the savings continue to stack up.
- Multi-Policy discount
Do you already have a policy, such as car or motorcycle insurance? Then you could qualify for this discount as soon as you start your homeowners policy.
- Future Effective Date discount
Sounds stuffy and complicated, but it couldn't be simpler. All you need to do to qualify for this discount is set the effective date of your homeowners policy to be at least 7 days after you buy the policy. That means more time to perfect your coverage — and some sweet home insurance savings for you.
- Loyal Customer discount
If you renew your policy, you may be eligible for this homeowners discount.
Home insurance discounts: household level
Now that we've covered the savings you can get from the comfort of your chair, let's bring you up to speed on the discounts that more directly involve your digs.
- Claim-Free discount
This is where responsible homeowners cash in. Go at least one year without filing a claim and start saving. The longer you stay incident-free, the bigger your discount can get.
- Storm Shutter discount
By adding storm shutters to all of your home's exterior windows, you may be able to reduce your homeowners coverage rate while warding off Mother Nature's wrath at the same time.
- Hail Resistant Roof discount
We don't like the thought of baseball-sized chunks of ice ruining your roof any more than you do. That's why homeowners who eliminate this risk altogether get rewarded.
- Smoke-Free discount
If no one in your household smokes, you can get a nifty discount for being so fire-safety conscious.
- Home Safety Features discount
To qualify, install a burglar alarm, smoke detector, or water safety system to combat common perils in your home. The more devices you have and the better quality they are, the more you can save.
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