Homeowners Insurance Discounts

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Check below to see an extensive list of the type of discounts we offer for many of our home customers. Discounts and their availability will vary based on the kind of insurance policy you hold and what state you’re in.

Home Insurance Discounts


Member, employee or retiree of certain businesses, occupational groups or professional associations

Bundling Insurance

Farmers auto policy plus at least one other qualifying Farmers policy such as Home, Life, Umbrella, Small Business, Specialty. Learn more about bundling insurance.


Farmers home policy plus at least one other qualifying Farmers line of business policy, such as Auto, Life, Umbrella, Small Business, Specialty


This discount applies when the insured enrolls in ePolicy and accepts the Go Paperless terms and conditions.

UL-Approved Roofing Materials

  • Asphalt or fiberglass shingles approved by UL

New Home

  • Home less than 14 years old

Protective Devices

  • Fire alarm
  • Security system
  • Internal sprinklers

Home Safety

  • Windows, walls, roof or foundation fortified against natural disaster  
  • Automatic gas or water shutoffs

Green Certifications

  • LEED
  • EPA

Claims Free

  • Home insurance customers earn a discount for being claim free for three consecutive years.

Connected Home – not available in all states and you can only get this, or protective devices, or home safety or green

  • Smart home system that allows for remote monitoring and control.

Rent To Own

  • Available to current renters policyholders for over a year if they buy a home and switch to a Farmers home policy

Preferred Payment or EFT

  • Available for customers who pay in full, or with a 2 pay, or sign up for a monthly pay plan with an automatic recurring electronic fund transfer

Good Payer

  • Available for customers who pay their bill on time

State Specific Home Insurance Discounts

California Earthquake Authority Discount (CA) – Available when a customer has a Farmers homeowners’ policy in addition to a policy from the California Earthquake Authority for the same residence

Retirement Community (AZ) – Discount for customers who reside within certain retirement communities

HOA Gated Community (NV) – Discount for customers who reside within certain gate communities

Fortified Home (AL) – A Fortified Home is a dwelling that is constructed with added protection to resist natural disasters and extreme weather events

* Savings based on customers that switched their AUTO AND HOME to Farmers