Many insurers offer discounts if you take steps to reduce risk, such as:
- Home Security Discounts: Security systems, smoke detectors, fire alarms, and deadbolt locks may earn discounts on premiums.
- Green Home Discounts: Some insurers provide discounts for eco-friendly or energy-efficient upgrades, like solar panels or energy-efficient windows.
- Loyalty and Multi-Policy Discounts: Staying with the same insurer for multiple years or bundling with auto insurance can lower your premium.
- Claims-Free Discounts: Insurers reward policyholders who haven’t filed a claim in several years with lower rates.
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