The list to run through
Each is commonly available and each has to be requested. Combined, they routinely cut 15–30% from a premium.
- Monitored burglar alarm and monitored fire alarm.
- Smart water-leak detectors — some insurers give 5–10% and supply the devices.
- Impact-resistant roof, and roof age under 10 years.
- Whole-home surge protection and updated electrical panel.
- Automatic standby generator.
- Deadbolts, smart locks, and video doorbell.
- Gated community or on-site security.
- Non-smoking household.
- Claims-free for three or five years.
- Loyalty or long-tenure discount.
- Paperless billing and paid-in-full.
- Automatic payment from a bank account.
- New home or newly purchased home discount.
- Renovation credits for updated plumbing, wiring, or HVAC.
- Retiree or over-55 discount.
- Professional, alumni, or employer affinity groups.
- Bundling home with auto, umbrella, or life.
- Early-shopping discount for quoting 7–10 days before renewal.
The one that surprises people
Quoting early is a real, filed discount with many carriers, worth 5–10% simply for getting a quote a week or more before your renewal date rather than on the day.
Don't trade cover for discount
Cosmetic-damage exclusions, actual-cash-value roof endorsements, and higher wind deductibles are sold as savings but can cost far more at claim time than they save in premium.
Audit your own declarations
Upload your policy to PolicyPal and we list every discount already applied, so you know exactly which ones to ask for.
Frequently asked
- How much can I realistically save?
- Stacked discounts of 15–30% are common, and shopping across three carriers on top of that frequently saves more again.
- Do smart-home devices really earn a discount?
- Water-leak sensors and monitored alarms do with most carriers, because they demonstrably reduce claim frequency. Smart thermostats usually do not.
- Will asking for discounts trigger a re-underwrite?
- Requesting discounts does not. Making coverage changes can, so keep the two conversations separate.
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