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Homeowners insurance Discounts

Homeowners Insurance Discounts

Having the right home insurance shows you care about protecting your dreams. And we want to reward you for your dedication!

From installing qualifying smart home devices to combining your home and auto coverage, your savvy habits can save you money. Take a look at some of the ways you could save and connect with your agent to learn more about applying the right discounts to your policy.


57% of American Family Insurance property customers save time and money by bundling their property and auto insurance with us.

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Safe, Secure, Smart Home Discount

Save money by installing a qualifying smart home device or protective home system.

Popular Discounts

The memories you make in your home are priceless! But it doesn’t hurt to check out our homeowners insurance discounts. Here are just some of the ways you can save — so you’ve got more to spend on pursuing your dreams.

All Homeowners Insurance Discounts

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

Multi-product discount. Save money when you protect more than one dream with us — like bundling your auto and home policies. The more policies you have, the more you save.

Smart home discount. If your home is equipped with a qualifying smart device, like a RING Video Doorbell or a Nest device, you could be in for a better rate with our proactive home protection discount.

Age of home discount. How new is your home? Ask your agent if you’re eligible for savings based on the age of your house.

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

Home purchase discount. If you’ve achieved your dream of purchasing a home within the past three years, you’re eligible for this discount — regardless of your home’s age.

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 reduced 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?

No two homeowners are alike, so deciding what kind of coverage you need or what discounts you may qualify for can be tricky. But we’re here to help! If you’ve still got questions, see our homeowners insurance FAQs, study up on our variety of homeowners insurance coverages and learn more about why people choose American Family.

When you’re ready, your neighborhood 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 yours 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 underwriting the homeowners policy. Discounts may not apply to all coverage on a property policy.