Best Home Insurance Discounts in 2026: Save on Your Policy
The best home insurance discounts come from top providers like The Hartford, Progressive, and Farmers. Depending on the provider, you may save up to 20% by bundling policies, up to 25% with a claims-free history, and up to 22% for having a security system. On average, home insurance discounts can save you about $14 per month.
Read more
Secured with SHA-256 Encryption
Save Money by Comparing Insurance Quotes
Compare Free Home Insurance Quotes Instantly
Table of Contents
Table of Contents
Insurance and Finance Writer
Karen Condor is an insurance and finance writer who has degrees in both journalism and communications. She began her career as a reporter covering local and state affairs. Her extensive experience includes management positions in newspapers, magazines, newsletters, and online marketing content. She has utilized her research, writing, and communications talents in the areas of human resources, f...
Karen Condor
Senior Director of Content
Sara Routhier, Senior Director of Content, has professional experience as an educator, SEO specialist, and content marketer. She has over 10 years of experience in the insurance industry. As a researcher, data nerd, writer, and editor, she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world of insurance....
Sara Routhier
Mortgage Loan Originator
Steve Crowell is a New Hampshire based mortgage loan originator with Luminate Home Loans, Inc. After graduating from the University of New Hampshire in 2003 with a BS in Business and Economics and a BA in History, he went on to get his broker license in 2005. In 2021, he was recognized as a Luminate Home Loans “Circle of Excellence” top agent. Steve works as a trusted resource for clients w...
Steve Crowell
Updated April 2026
The Hartford, Progressive, and Farmers have the best home insurance discounts. Save up to 25% with Farmers’ claims-free discount.
- The Hartford offers up to 11% off for new homes
- Home security systems may qualify you for discounts of up to 22%
- Bundling home and auto insurance can save you up to 20%
The Hartford stands out for its strong home security discount of up to 22%, offering total savings of $165 per year for homes 15 years old or newer.
This guide covers the top home insurance discounts, how to qualify for maximum savings, and which companies offer the lowest home insurance rates.
Top 10 Companies: Best Home Insurance Discounts| Company | Rank | Discount | Save/Yr | Qualification |
|---|---|---|---|---|
 | #1 | 11% | $165 | 15 Years or Newer |
 | #2 | 9% | $135 | 12 Years or Newer |
 | #3 | 8% | $120 | Newly Built Home |
 | #4 | 7% | $105 | 10 Years or Newer |
 | #5 | 6% | $90 | Newly Built Home |
 | #6 | 6% | $90 | 15 Years or Newer |
 | #7 | 5% | $75 | Military Affiliation |
 | #8 | 5% | $75 | 10 Years or Newer |
 | #9 | 5% | $75 | 12 Years or Newer |
 | #10 | 4% | $60 | 10 Years or Newer |
Learn how factors like location, age, and home features affect your premiums, and get tips to maximize your insurance discounts.
Protect your home with confidence. Use our free quote comparison tool to find a reputable company offering the comprehensive home insurance coverage you need at low rates.
Top Discounts for Affordable Home Insurance
Home insurance discounts can lower your monthly premium by $10 to $14, but the real value depends on how each company applies those savings.
Providers like Farmers and The Hartford stand out for offering larger discount opportunities, especially for homeowners who qualify for multiple programs.
Home Insurance Monthly Cost: Before & After Discount| Company | Before | After | Savings |
|---|---|---|---|
| $95 | $82 | $13 |
| $88 | $76 | $12 |
| $102 | $88 | $14 |
| $90 | $79 | $11 |
| $85 | $73 | $12 |
| $92 | $80 | $12 |
| $80 | $69 | $11 |
| $98 | $84 | $14 |
| $86 | $74 | $12 |
| $72 | $62 | $10 |
If you’re comparing the best home insurance deals, it’s important to look beyond the starting price and consider how discounts actually reduce your final cost.
There are also targeted savings, including home insurance discounts for seniors and even the best home insurance discounts for teachers, so it’s worth asking about all available options when comparing providers.
Important Details: 8 Types of Homeowners Insurance Policies
Free Home Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
How to Qualify for a Home Insurance Discount
Many companies offer home insurance discounts to homeowners who meet specific eligibility requirements tied to risk and reliability.
To qualify, insurers often look for a clean claims history, which can save up to 25%, consistent payment behavior through autopay or paid-in-full options, and long-term loyalty with the same provider.
Top Home Insurance Discounts by Savings & Qualification| Discount | Savings | Qualification |
|---|---|---|
| Auto Pay | 2%–5% | Automatic payments |
| Claims-Free | 10%–25% | No recent claims |
| Home Safety | 10%–25% | Security tech in place |
| Loyalty | 5%–10% | Long-term customer |
| Multi-Policy | 10%–20% | 2+ policies bundled |
| New Home | 5%–15% | Home <10 years old |
| Pay in Full | 5%–10% | Policy paid in full |
| Paperless | 2%–5% | Digital documents |
You can also qualify by improving your home and coverage profile. Installing security systems, living in a newer home, and bundling multiple policies signal lower risk and can unlock higher discounts.
Meeting these qualifications helps insurers justify lower premiums while rewarding responsible homeowners.
Don’t Miss It: How much homeowners insurance do you need?
Top Home Insurance Discounts to Ask For
Homeowners can access the most coverage for home insurance discounts by combining property upgrades with smart policy choices.
Features like fire-resistant materials, storm shutters, and smart security systems are recommended because they directly reduce the risk of costly claims and help you earn some of the most common homeowners insurance discounts.
Common Home Insurance Discounts by Category| Property | Profile | Policy |
|---|---|---|
| Fire-Resistant | Claims-Free | Advance Quote |
| Gated Area | High Credit | Auto Payments |
| Impact Rated | Loyal Customer | Auto Bundle |
| New Build | Non-Smoker | Member Deals |
| Smart Security | Primary Home | Multi-Policy |
| Storm Shutters | Senior Owner | Pay in Full |
Newer homes and gated communities appeal to insurers because they pose lower risk and require fewer repairs. High credit, a claims-free history, and primary residence status signal responsible ownership and fewer claims.
Policy choices such as bundling, automatic payments, and paying in full are widely recommended because they simplify account management and reduce insurer costs.
In return, these factors often lead to better discounts and more flexible homeowners insurance coverage options.
Comparing Home Insurance Premiums
Rates are influenced by several key factors, including your location, home value, construction type, and overall risk exposure.
Insurers also consider claims history, credit, and home condition when pricing your insurance policy.
Homes in high-risk areas or with older systems typically cost more, while newer, updated homes often get better rates.
Higher rebuild costs and coverage levels also increase premiums, but discounts can help offset these increases when used strategically.
Installing security systems or cameras can lower premiums in high-risk areas by reducing potential claims. Qualifying for a home insurance discount for new roof or upgraded systems can also increase your savings.
Choosing the best homeowners insurance companies locks in affordable coverage, avoids overpaying, and ensures enough protection to rebuild your home.
Homeowners Insurance Costs for Different Policies
Home insurance rates tend to rise the most due to higher rebuild costs, older home age, and increased risk exposure from location.
Homes in storm-prone or high-crime areas and those with higher repair costs see the biggest rate increases. As coverage rises from $200K to $500K, these risks make pricing differences between insurers more noticeable.
Home Insurance Monthly Rates by Dwelling Coverage| Company | $200K | $300K | $400K | $500K |
|---|---|---|---|---|
| $95 | $125 | $155 | $185 |
| $88 | $118 | $148 | $178 |
| $102 | $135 | $170 | $205 |
| $90 | $122 | $156 | $190 |
| $85 | $115 | $145 | $175 |
| $92 | $123 | $156 | $188 |
| $80 | $110 | $140 | $170 |
| $98 | $130 | $164 | $198 |
| $86 | $116 | $146 | $176 |
| $72 | $102 | $131 | $160 |
USAA stands out for its lowest rates, starting at $72 a month for $200K in coverage and rising to $160 a monthly for $500 K.
Higher-cost providers like Farmers and The Hartford may charge more upfront, but they often benefit homeowners with higher-risk profiles through stronger discount programs and flexible policy options.
Travelers home insurance discounts can also help offset rising premiums, especially for homeowners who bundle policies or invest in safety upgrades.
Get More Details: American Family vs. Travelers Insurance Review
How Property Age Impacts Home Insurance Rates
Home age directly affects insurance premiums because older properties tend to carry a higher risk.
As a home ages, key systems like roofing, plumbing, and electrical components become more prone to failure, increasing the likelihood of claims.
Insurers factor in these risks when pricing policies, which is why older homes typically have higher premiums and fewer discount opportunities.
Newer homes typically cost less to insure, with rates around $115 per month for houses, under five years old.
Choose a newer home, update aging systems, and replace old roofs, as insurers reward these upgrades with lower premiums and better discounts.
Kristen Gryglik Licensed Insurance Agent
New homes are more attractive to insurers and easier to qualify for discounts because they are built with updated materials, modern wiring, and stronger safety standards.
For older homes, making upgrades or renovations can help offset risk and improve eligibility for better rates and savings. See which company offers the best insurance for high-risk homes.
How Location Affects Homeowners Insurance Prices
Location has a direct impact on home insurance costs because it shapes the level of risk insurers take on—and that risk often ties closely to mortgage requirements.
In high-risk areas such as coastal regions or storm-prone states, lenders may require higher coverage limits to protect the property, which in turn drives up premiums.
Insurers also price policies higher in these areas due to frequent weather-related claims and rising rebuilding costs.
In lower-risk regions, homeowners typically see more stable and affordable rates because there’s less exposure to large-scale losses.
Read More: Home Insurance Rates by State
Factors such as local building costs, crime rates, and access to fire protection also affect how premiums are calculated.
That’s why where you live can matter just as much as the home itself when it comes to managing insurance costs.
Top Ways to Save Money on Home Insurance
What are five ways to reduce home insurance costs? Saving money on home insurance often comes down to being proactive and knowing what insurers actually reward.
Homeowners who regularly shop around for the best home insurance deals, ask about available discounts, and make small upgrades, like improving home safety or maintaining key systems, can often lower their premiums without changing coverage.
Even simple steps, such as updating an older roof or installing basic security features, can lead to noticeable savings over time. It also helps to stay involved in how your policy is structured.
Choosing the best home insurance deductible for your budget, reviewing your coverage, and avoiding unnecessary add-ons can keep costs in check.
Homeowners who take the time to compare options and make strategic changes are more likely to find better rates while still maintaining strong protection.
Popular Discounts on Homeowners Insurance
There are the cheapest homeowners insurance companies that offer home insurance discounts, but the biggest savings often come from bundling policies and maintaining a low-risk profile.
Providers like State Farm, Farmers, and Progressive stand out for strong bundling and claims-free discounts, rewarding customers who carry multiple policies and show lower risk.
Top Home Insurance Discounts by Provider & Savings| Company | Bundling | Claims-Free | New Home | Security |
|---|---|---|---|---|
| 15% | 20% | 5% | 10% |
| 10% | 22% | 6% | 12% |
| 12% | 25% | 8% | 14% |
| 14% | 20% | 5% | 9% |
| 11% | 18% | 7% | 10% |
| 16% | 21% | 9% | 11% |
| 20% | 24% | 6% | 15% |
| 15% | 14% | 11% | 22% |
| 13% | 16% | 4% | 7% |
| 10% | 23% | 5% | 12% |
Home insurance discounts are usually tied to risk, which is why claims-free discounts rank the highest at up to 25%.
Insurers place the most value on homeowners who haven’t filed recent claims because it signals a lower likelihood of future payouts.
Avoid filing small claims and maintain a clean claims history, as insurers reward low-risk homeowners with the highest discounts.
Ashley Dannelly Social Media Manager & Professor
Insurers also reward homeowners who invest in property upgrades, offering proactive policyholders a home insurance discount for security cameras, security systems, or a new roof.
Bundling is popular since it can extend beyond home and auto to renters, umbrella, and other policies, making it easier to stack savings. Learn More: Best Home and Car Insurance Bundles
Home safety discounts, which can reach up to 22%, and multi-policy discounts at around 20% follow closely because they actively reduce risk and increase customer retention.
Installing security features or bundling multiple policies shows insurers you’re both protecting your home and committing to their coverage.
While other discounts are easier to qualify for, focusing on staying claims-free and improving home safety is often the most effective way to secure the lowest rates.
See More: Is home insurance required?
Free Home Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Where to Find the Best Home Insurance Discounts
Discounts play a major role in how much you actually pay for home insurance, but the biggest savings usually go to homeowners who show consistency and lower risk over time.
The Hartford, Progressive, and State Farm have the best home insurance discounts, rewarding claims-free homeowners with up to 25% off.
Keeping a claims-free record, sticking with one insurer, and maintaining good credit are some of the most reliable ways to qualify for better rates. These factors matter because they signal to insurers that you’re less likely to file costly claims.
Home upgrades and policy choices also make a difference. Features like updated systems, security devices, or a newer home can help lower your premium, while bundling policies or paying in full can unlock additional savings.
The key is to combine these strategies, compare homeowners insurance quotes, and regularly check what home insurance discounts you qualify for, so you’re not leaving money on the table.
Avoid overpaying for your home insurance by entering your ZIP code into our free comparison tool to see the lowest rates in your neighborhood.
Frequently Asked Questions
Which company has the best home insurance discounts?
Companies like State Farm, Farmers, and The Hartford offer some of the best homeowners insurance discounts, including bundling, claims-free, and security savings. State Farm home insurance discounts stand out for their broad eligibility and consistent savings opportunities.
See Our Article: Best Home Insurance Companies
How do I get a discount on homeowners insurance?
You can get discounts by bundling policies, installing safety features that qualify for a home insurance discount for security system or cameras, maintaining good credit, and avoiding claims. Make sure your home is protected by entering your ZIP code into our home insurance comparison tool today.
Who offers the best home insurance policy?
State Farm, USAA, and Allstate are often considered top providers due to their balance of affordable rates, strong coverage options, and reliable customer service. The best policy depends on your home value, location, and coverage needs.
How do I get the best price for home insurance?
To get the best price, compare quotes, bundle policies, maintain a claims-free history, and choose the best home insurance deductibles for your budget. Installing safety features can also lower your premium.
Is an HO-3 or HO-5 home policy better?
HO-5 policies are more comprehensive than HO-3 policies because they cover your home and belongings on an open-peril basis. HO-3 is more common and affordable, but HO-5 offers broader protection with fewer exclusions.
What is the 80% rule for home insurance?
The 80% rule means you must insure your home for at least 80% of its replacement cost to receive full coverage on a claim. If your coverage falls below this threshold, your insurer may only pay a portion of the loss.
Compare Now: Allstate, vs. Farmers, Geico, Progressive, and State Farm Insurance Review
What is the best type of homeowners insurance policy?
An HO3 policy is the most common and offers solid protection, while an HO5 policy provides the highest level of coverage. The best type depends on how much protection you want and your budget.
What should I not say to a home insurance claim adjuster?
Avoid admitting fault, exaggerating damage, or providing incomplete information when filing a claim. Always be accurate and honest to prevent claim delays or denials.
See More: Best Renters and Auto Insurance Bundles
Who has the lowest rates on homeowners insurance?
USAA and State Farm often have the lowest rates, but pricing varies by location, home value, and risk factors. Comparing multiple providers is the best way to find the lowest rate.
Can seniors get a discount on homeowners insurance?
Yes, many insurers offer home insurance discounts for seniors, especially for retirees or homeowners over a certain age. These discounts are often based on lower risk, more time spent at home, and long-term policy loyalty.
Is an HO-5 policy worth it?
Related Articles
Get a FREE Quote in Minutes
Insurance rates change constantly — we help you stay ahead by making it easy to compare top options and save.
Secured with SHA-256 Encryption
