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Homeowners insurance Discounts

Homeowners Insurance Discounts

Having home insurance shows that you care about protecting one of your most valuable investments. And we want to reward you for your smart behavior.

Not only can having the right protection in place earn you a discount, but your other savvy choices can help you save on home insurance, too. From installing qualifying smart home devices to combining your home and auto coverage, take a look at some of the ways you could save. Then connect with your agent to learn more about applying the right discounts to your policy.

Popular Home Insurance Discounts

Earning a discount is easier than you think. Here are just some of the ways you can lower your home insurance payments.

More Savings When You Bundle!

Save money when you have more than one policy with us — when you bundle your auto and home insurance, you could save up to 42% on your auto coverage and 27% on your home coverage. You can bundle almost any of your policies to qualify for the discount. And the more policies you have, the more you save on insurance!

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Safe, Secure, Smart Home Discount

If your home is equipped with a qualifying smart device, like a RING Video Doorbell, the Frontpoint Home Security System or a Nest device, you could be in for a better rate with our proactive home protection discount. Read more about how to qualify for our safe, secure, smart home discount.

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Renovated Home Discount

Have you completely replaced the plumbing, electrical or heating systems in your home in the last 15 years? Then this homeowners discount is for you!


Other Homeowners Insurance Discounts

Check out these easy ways to save — it doesn’t take much to qualify for these homeowners discounts!

Age of home discount. How new is your home? Newer homes have fewer claims, so depending on the age of your humble abode, you just might be eligible for this type of discount. Ask your agent if you’re able to save on home insurance based on the age of your house.

Home purchase discount. Did you purchase a home within the past three years? Congratulations! You’re eligible for this homeowners insurance discount — regardless of your home’s age.

Home alarm discount. We care about our customers’ safety, and when you take preventative measures, like installing a home alarm, you can qualify for savings. Better yet, take a look at the Frontpoint Security System — it’s equipped with everything you need to protect your home, from an alarm system and motion sensors, to water sensors and smoke/heat sensors. Bonus: with the Frontpoint system, you’re not only eligible to qualify for the home alarm discount, but you’ll be eligible for the smart home discount, too!

Savvy habits that save. Streamlining your payment habits has its rewards when you take advantage of our AutoPay, Full Pay and Paperless discounts.

Loyalty discount. If you’ve been a loyal American Family customer for a while, you may qualify for a lower home insurance premium. We reward you for being part of our family!

Generational discount. Is mom or dad an American Family customer? Then you could save on your homeowners policy.

Have Questions about Saving on Home Insurance?

No two homeowners are alike, so deciding what kind of coverage you need or what home discounts you may qualify for can be tricky. But we’re here to help! If you’ve still got questions, head to our homeowners insurance FAQs or study up on a variety of homeowners insurance coverages.

When you’re ready, your American Family Insurance agent will be happy to explain all of our discounts further and help you choose exactly what policy and price is right for your unique home. Connect with an agent today and get on your way to a custom homeowners insurance quote.

*Discount and savings amounts and eligibility will vary. Some restrictions apply. Discounts may vary by state, property policy form and company issuing the homeowners policy. Discounts may not apply to all coverage on a property policy.