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home insurance discounts

Discounts for Homeowners Insurance

When you are shopping around for home insurance, there are lots of factors that play into the price of your insurance. Luckily, there are some insurance discounts that you may be eligible for. If you are ever ind doubt about whether you qualify for certain discounts, ask your insurance agent! They can help you find those deals. These are some of the most common insurance discounts. See if you are eligible for any of them!

Multi-Policy Discount

One of the most common discounts available to homeowners is a mutli-policy discount. This is when you get more than one insurance policy with your insurance company. Consider getting homeowners and auto insurance with the same insurer. Or if you have a boat, you could get that covered too. Often, insurance companies offer these discounts to those who opt for more than one policy. It’s a good idea to discuss the possibility of this with your agent.

Home Improvements

Did you just renovate? Have you put in a new roof? Making improvements to your home may qualify you for an insurance discount! Depending on the nature of the renovation, you home may be viewed as less risky, and your wallet could benefit from it.


Here’s another reason to kick a smoking habit! If you are a non-smoker, then some insurance companies reward you with a discount. By being a non-smoker, it’s better for your house and reduces the risk of a home fire! Smoking indoors can also damage your home.


A great way to save some money on your homeowners insurance is to be claim-free. Fewer claims can indicate that your are a lower risk customer.

Burglar Alarms

Having alarm systems in place can qualify you for a discount. Since your they help keep your home safe, it’s not a bad idea to look into this regardless of the potential discount. Click here to learn more about alarms.

Fire Safety

While you should have a fire alarms no matter what, having these safety systems in place can save you some money. The faster the fire company can be contacted, the less damage your home will receive.

Senior Discounts

If you are retired or climbing up in the numbers, you could qualify for a discount. But keep in mind that qualifying age may differ by insurance company.

New Home Discounts

Are you the owners of a shiny new home? If you home was very recently constructed, it could get you a discount on your homeowners insurance. Ask your insurance agent if your home can qualify as a new home!

Going Paperless

Opting to go paperless is a great way to save some money! It’s good for you financially and it’s a lot better for the environment! Think of it as a win-win!


These are just some of all potential discounts you could be eligible for! Your insurance agent knows you and your situation the best, so ask them what discounts to look into. And if you plan on upgrading your home soon, consider improvements that could save you some money on insurance too.

Call an Encharter agent at 888.754.8299 and ask about what discounts you may be eligible for!

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