Home Insurance Savings Calculator
Discover how much you could save with common insurance discounts.
Current Premium & Discounts
percent Understanding Insurance Discounts
Insurance companies offer various discounts to reward lower-risk homeowners. Here's what each discount means and how to qualify:
Bundling Discount (10-25% off)
Combine your home and auto insurance with the same company. This is usually the biggest discount available.
How to qualify: Get quotes for both policies from the same insurer and ask about multi-policy discounts.
Security System Discount (5-20% off)
Install a monitored alarm system that alerts authorities to break-ins, fire, or carbon monoxide.
How to qualify: Provide proof of professional monitoring service to your insurer.
Claims-Free Discount (5-15% off)
Maintain a clean claims history for 3-5 years. Avoid filing small claims that you can afford to pay yourself.
How to qualify: Automatic - your insurer tracks your claims history.
More Ways to Save
ðŸ New Home Discount
Homes built within the last 10 years often qualify for 5-10% off due to modern construction and systems.
🔥 Fire Safety Discount
Working smoke detectors, fire extinguishers, and sprinkler systems can save 2-10%.
👴 Senior Citizen Discount
Retirees age 55+ may qualify for 5-15% off as they're home more often to prevent damage.
💳 Loyalty Discount
Stay with the same insurer for 3-5+ years to earn loyalty rewards of 5-10%.
🡠Gated Community
Living in a gated community with security can reduce premiums by 2-5%.
💰 Paid-in-Full Discount
Pay your annual premium upfront instead of monthly to save 3-5% on fees.
Important Disclaimer
Discount percentages are estimates based on industry averages. Actual discounts vary by insurance company and state. Contact your insurance provider for exact discount amounts.