Homeowners Insurance Discounts

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How to Get Homeowners Insurance Discounts

Farmers® builds value into every policy — but you may be eligible for even more savings if you take actions like these.

Enhance your home’s safety and security

Making your home as safe as possible can help reduce the risk of fire and theft. So you may earn discounts if you secure your doors and windows with dead bolts and strong locks. Other actions you can take include installing:

  • A security system with an outside signal and connection to local police
  • A fire alarm that automatically alerts the local fire department

Be sure to let your agent know if you make changes or add these items to your home so you can see if you are eligible for any available discounts.

Don’t smoke

Because smoking raises the risk of fire damage, nonsmokers may qualify for lower homeowners insurance premiums by way of discounts. In most states, Farmers offers a discount if all members of a household haven’t smoked in the past two years.

Purchase multiple policy lines from Farmers

You’ll get more than convenience when you buy multiple policy lines from Farmers — you might also receive multiline discounts on each policy. Remember to ask your agent about pricing for auto and personal umbrella coverage when you request a homeowners insurance quote.

See if you’re eligible for additional savings

Are you a teacher, police officer, firefighter, member of the military, doctor, nurse, dentist, engineer or other professional? You may be eligible for a discount because of your career choice. And you may qualify for other discounts, regardless of your profession.

Your Farmers agent will be happy to help answer questions as you decide which coverage you want.