Whether you're a brand-new homeowner or a seasoned, sawdust-covered pro, you're probably looking for ways to save on home insurance. Explore the wide range of homeowners insurance discounts you could score with Esurance.
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 Esurance 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 an Esurance policy? By bundling your home and auto insurance, you can conveniently manage all your coverage in one place and save money.
- 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
We show some serious love to our true-blue customers. That's why if you renew your policy with us, you may be eligible for this homeowners discount.
- Welcome Home discount
Just by choosing Esurance, you could qualify for easy savings and get your new policy off on the right foot. Even better, this discount is applied to the first 2 years of your policy, meaning you can reap the benefits long into the future.
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.
Want more good news? With our claim forgiveness feature, even if you do need to file a claim on an Esurance home policy, we'll forgive it, meaning your rates won't spike. Oh, and you still get to keep your Claim-Free discount (that's just how we roll).
- 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.
- New Home discount
If you've recently purchased a home — whether it's newly constructed or simply new to you — insure it with Esurance within 12 months after its purchase or completion date and you could take advantage of this savings option.
More about homeowners insurance
What our customers say
After receiving renewal information from my current auto insurance carrier, I wanted to make sure I was paying the lowest price possible. I immediately checked quotes on Esurance and was pleased to learn they could offer me a quote several hundred dollars cheaper. I applied, called an agent, and was already printing out my new insurance card within 20 minutes."
— Monica, Florida
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