As independent insurance agents, we have access to a multitude of strong insurance companies that offer a variety of discounts to homeowners to help them save on premiums.  Below is a list of some of the discounts available to customers:

Home insurance discounts: policy level

A policy discount generally doesn’t involve your actual home — or the things that do (and don’t) happen to it — at all. Rather, these discounts depend on how you buy and manage your policy. In some cases, you can score perks before even setting foot inside your abode.

• Preferred Buyer discountThis home insurance discount kicks in the minute you buy your policy, simply because every new customer deserves to start off on the right foot. Then, as you pay your homeowners premium on time over the years, you can watch the savings continue to stack up.
• Multi-Policy discountDo you already have a policy, such as car or motorcycle insurance? Then you could qualify for this discount as soon as you start your homeowners policy.
• Future Effective Date discountSounds 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 discountIf you renew your policy, you may be eligible for this homeowners discount.

Home insurance discounts: household level

Now that we’ve covered the savings you can get from the comfort of your chair, let’s bring you up to speed on the discounts that more directly involve your digs.

• Claim-Free discountThis 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.
• Storm Shutter discountBy 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.
• Hail Resistant Roof discountWe 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 discountIf no one in your household smokes, you can get a nifty discount for being so fire-safety conscious.
• Home Safety Features discountTo qualify, 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.