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homeowners insurance discounts

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: household level

It goes without saying that you want your home to be a safe haven for your family — and at Esurance we want to reward you for taking initiative. Not only are these measures an effective way to safeguard your household, but they're also a great way to earn some significant savings in the process.

New home discount

Have you just purchased a new home? Whether it's newly constructed or simply new to you, by signing up for an Esurance homeowners policy within 12 months of its purchase or completion date, you could take advantage of this savings option.

DIY Home Inspection discount

Once you've purchased homeowners insurance from Esurance, you can sign up for the DIY Home Inspection discount. Using our downloadable app, complete an easy home inspection within 20 days of your policy start date and you'll automatically save $50.

Home Safety Features discount

To qualify for a home safety features discount, 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.

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.

In New York, this discount is called the Windstorm Protective Device discount.

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.


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

See more Esurance reviews and ratings.

home insurance discounts: policy level

The way you manage your homeowners policy may not only have a positive impact on protection, it can also lend itself to some pretty sweet perks. The following discounts are available if you buy and arrange your policy in a certain way. And in some cases, you can score savings before even setting foot inside your abode.

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.

Preferred Buyer discount

Paying for things on time is a good feeling, but rarely do you get rewarded for it — until now. At Esurance, we reward policyholders for staying on top of their protection. The best part? This discount kicks in the minute you purchase your policy, where you begin anew with a clean slate. 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.

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homeowners insurance faqs

Do I need homeowners insurance?

Unlike auto insurance, homeowners coverage is not mandated. But if you're among the overwhelming majority of homeowners who finance their digs, you're mortgage lender likely requires you to have protection of some sort to assure their investment is guarded. And most homeowners opt to continue coverage even after they've paid off the house.

Where can I find the cheapest homeowners insurance available?

Homeowners policies may not be as exorbitantly priced as you think. Get a fast, free quote right now to get a good gauge of policy rates you might be looking at.

It's important to note, however, that you ultimately get what you pay for, and "cheaply priced" insurance may have pitfalls in protection. For instance, the less coverage you pay for, the more accidents you're woefully exposed to. It's therefore important to find an insurance company that doesn't sacrifice quality for quantity, but lowers costs through innovative technology and a streamlined insurance process — not an insurer that cuts corners.

How much coverage do I need for my home?

To begin setting an adequate amount of coverage, it's important that you know the value of your home and belongings. An effective way to determine the value of your home is to estimate the cost of rebuilding it from the ground up. Also, think about any unattached structures on your property (sheds, gazebos, unattached garages) that might necessitate looking beyond coverage limits.

Remember, things change over time — from kids growing up and moving out, to upgrading the kitchen and bathroom — so the right amount of homeowners coverage can change too. That's why it's good measure to assess your coverage needs regularly by consulting your insurer.

How much does homeowners insurance cost?

Homeowners insurance rates vary widely, from around $300 to $1,000 a year. When it comes down to it, though, there's no be-all and end-all number that can be applied to every circumstance, as no two are the same. But, by understanding the variables in your unique situation, your insurer can better tailor a policy more suited to you and your home. Some of the factors that help insurance companies determine the cost of your homeowners premium include:

  • The location and age of the house
  • How much coverage you select
  • The rebuilding cost of your home
  • The total value of your personal belongings
  • Your chosen deductibles (how much you pay out of pocket)
  • Your claim history

There are also a bevy of other factors that influence how much you'll pay for homeowners insurance, including swimming pools or trampolines, owning a dog, and the safety features you have in place.

wonder if you could be saving on homeowners insurance?

View a saved quote

Or speak with a licensed agent at 1-866-439-5633