Homeowners Insurance Discounts
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Homeowners Insurance Discounts
Not only can having the right protection in place earn you a discount, but your other smart choices can help you save on home insurance, too. Most discounts can be activated as soon as you’re a customer with American Family Insurance.
Whether you pay your bill all at once, monthly or any increment in between, your discount will be spread evenly across those payments. How do you get discounts on home insurance? Follow these simple steps to learn about getting a discount on your coverage:
- Contact your American Family Insurance agent
- Request a homeowners quote
- Ask about bundling your coverage with auto insurance
- Find out if you or those in your household can qualify for other insurance discount programs
From installing qualifying smart home devices to bundling your home and auto coverage, take a look at these discounts to see how you can save money on home insurance.
Safe, Secure, Smart Home Discount
If your home is equipped with a qualifying smart device you could be in for a better rate with our proactive home protection discount. Devices include:
- A smart home security system
- Nest Devices
- and more!
Popular Home Insurance Discounts
Earning a homeowner’s insurance discount is easier than you think. Here are just some of the ways you can save money by lowering your home insurance payments.
Bundle and Save
When you bundle your home and auto insurance, you could save up to 23% on both policies together.* And you can bundle together other policies help you to qualify for a multi-policy discount.
Age of Home Discount
How new is your home? Newer homes have fewer claims, so if your humble abode is under 15 years old, you just might be eligible for this type of discount. The coverage can vary by state, so be sure to ask your agent if you're able to save on home insurance 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? You may have another homeowners discount waiting for you!
Insurance Payment Discount
Streamlining the way you pay has its rewards when you take advantage of our Auto Pay, Full Pay and Paperless discounts. Learn more about our billing discounts.
Loyalty Discount
If you've been a loyal American Family customer for a year or more, 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? If you’re between the ages of 18 to 30 and your parents have an active home or auto policy with American Family, you could save more with our generational discount on your homeowners policy.
Have questions about saving on home insurance? Connect with a local agent.
Find an Agent >Start Saving on Home Insurance Today
No two homeowners are alike. We're here to help you discover all the ways you can save! Learn more about additional tips for lowering your home insurance premium and be sure to visit our Homeowners Insurance FAQ page for more information.
Got a car? Check out our auto insurance discounts for additional savings.
This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.
*Customers who bundle home and auto insurance policies may save up to 23% on both policies together (as of December 2023). Discounts may vary by state, property, policy form and company underwriting the home and/or auto policy. Discounts may not apply to all coverages on a home or auto policy.