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Common discounts
| Discount | Typical saving | How to qualify |
|---|---|---|
| Multi-policy (bundling) | About 20% or more of the combined premium at some insurers | Buy home and auto (or umbrella) from the same company |
| Protective devices | Varies; a centrally monitored alarm may save $20 or more a year over a local alarm | Smoke and burglar alarms, deadbolts, sprinklers |
| Smart home technology | Varies | Water-leak sensors, smart smoke detectors, automatic shut-off valves |
| Claims-free | Varies | No claims for a set number of years |
| New home or recent purchase | Varies | New construction, or home bought in the past 12 months |
| Newer roof | Varies | Roof replaced recently with qualifying materials |
| Renovation credit | Varies | Updated plumbing, heating, cooling or electrical systems |
| Senior or retiree | 5%–15% | Older or retired homeowners, at some insurers |
| Military or occupational | 5%–15% | Active, retired or certain professions |
| Affinity or group | 5%–10% | Employer, alumni or association programs |
| Payment | Small | Pay in full, autopay, paperless billing or quote early |
| Prior insurance / loyalty | Small | Continuous coverage or years with the same insurer |
Sources: MoneyGeek (Sept 2026); NerdWallet review of Nationwide’s discounts (Feb 2026). Availability varies by insurer and state.
Wind and storm mitigation credits
In hurricane and hail regions, how your home is built can matter more than any standard discount. Insurify reports that ten states require insurers to offer discounts for roofs built to certain wind standards. Coastal states such as Florida and Texas commonly offer wind-mitigation credits for features like roof-to-wall straps, impact-rated windows and shutters, and secondary water barriers. You usually need a mitigation inspection report to claim them.
Louisiana goes further: homeowners may qualify for grants of up to $10,000 through its Fortified Homes program and a state tax credit of up to $10,000 for certain storm-resistant roofs.
Bigger ways to save
- Raise your deductible. A higher deductible lowers your premium. Ask your insurer for prices at several levels; the Maryland Insurance Administration recommends doing exactly this.
- Avoid small claims. Claims stay on your CLUE report and can raise your price or cost you a claims-free discount. Pay small repairs yourself when the cost is close to your deductible.
- Compare named- and open-perils quotes. The difference is often small, but it’s worth checking.
- Shop every year or two. Insurer averages for the same home differed by $775 a year in NerdWallet’s 2026 data; see our insurer comparison.
- Get the limits right. Don’t over-insure belongings or buy extras you don’t need, but never cut the dwelling limit below rebuilding cost; see our coverage guide.
Why discounts don’t always add up
Most carriers cap the total discount at a set percentage, so once you hit the ceiling, adding more discounts doesn’t lower your price further. Discounts are also applied to each insurer’s own base rate, which differs. A company advertising many discounts can still be more expensive overall, so always compare the final premium for identical coverage.
Discount checklist before renewal
- Ask your insurer for a list of the discounts on your policy and any you’re missing.
- Report upgrades: new roof, updated wiring or plumbing, alarms, leak sensors.
- Bundle your auto policy if the combined price is lower; see our auto insurance discounts.
- Check employer, alumni and association programs.
- Request a wind-mitigation inspection if you live in a coastal state.
Frequently asked questions
What is the biggest homeowners insurance discount?
Bundling home and auto is usually the largest, at 20% or more of the combined premium at some insurers. In coastal states, wind-mitigation credits can be larger still.
Do security systems lower home insurance?
Usually. Insurers discount for alarms and deadbolts, and a centrally monitored system typically earns more than a local alarm.
Does a new roof lower home insurance?
Often, yes. Many insurers discount newer roofs made of qualifying materials, and some states require discounts for roofs built to wind standards.
Can filing a claim cost me discounts?
Yes. A claim can remove a claims-free discount and raise your premium. Consider paying small losses yourself.
Is there a limit on how many discounts I can get?
Most insurers cap the total discount, so stacking more discounts eventually stops reducing the premium.
Sources
- MoneyGeek – Home insurance discounts (Sept 2026)
- NerdWallet – Nationwide homeowners insurance review (Feb 2026)
- Maryland Insurance Administration – Consumer guide to homeowners insurance
- Insurify – Home insurance price projections 2026
- NerdWallet – Cheapest homeowners insurance (Feb 2026)
- Insurance Information Institute – Hurricane and windstorm deductibles
Insurance prices, discounts and rules change often and vary by state. Figures were checked in October 2026; confirm details with the insurer or your state insurance department.