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insurance

5 Discounts to Lower Your Home Insurance Premium

David Monforton
David Monforton 3 Min Read
4 stacks of coins in varying heights and a cut out house to indicate saving for a house.

You may have the right home insurance coverage, but are you taking advantage of every discount? Most insurers offer numerous discounts, so you can reduce your home insurance cost, in some cases for things that you already have done, such as reaching a certain age.

Here are five ways to save money by lowering your homeowners insurance premium with potential discounts.1

1. Bundle your homeowners insurance and other policies

One of the easiest—and most common—ways to get a price break is to keep multiple insurance policies with one company. Not only is it convenient to have policies such as home and auto in one place, but most insurers reduce your cost for doing so. Discount rates vary by company, but you may save from 5 to 15 percent per policy, according to the Insurance Information Institute. Some states exceed those discounts and you can save even more, just be sure to check with your agent.

2. Make your home less of an insurance risk

A close-up view of someone punching a code into a home alarm system.

If you improve the safety of your home, you’ll guard against potential dangers—and benefit from insurance savings. Start by asking your insurance agent which upgrades make your home less expensive to insure. In some cases, installing low-cost safety features and security upgrades such as alarms and fire extinguishers can translate into a reduced home insurance premium.

3. Update specific parts of your home to lower home insurance premium

Two men working on a roof applying shingles and other materials to it.

Make sure you talk to an insurance agent when you do any of these six things.

Read more

There are some house improvements that can boost your home’s value and trigger lower premiums. A new roof that’s stronger than your old one can save you on your policy. Why? Roofs are where the majority of losses due to snow, wind, hail and rain occur—and a stronger roof can reduce your likelihood of damage. Also, consider making sure your electrical and plumbing systems are up to date to reduce the risk of electrical fires and water damage. Always contact your agent before you make upgrades to assess how they’ll affect your coverage and whether you’ll be eligible for a discount. And keep in mind that insurance doesn’t cover problems that occur as a result of lack of maintenance.

4. Find out whether your age matters

Age equals wisdom—and sometimes discounts on your annual premiums. With home insurance through AAA, for example, you can get a 50 Plus discount if you’re over 50.

5. Pay your entire home insurance premium up front

Monthly premium payments can sometimes include a small processing fee. Consider paying the total annual premium amount at one time. 

Home insurance

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1Discounts apply to select coverages only and vary by state and insurance company. Not all discounts available in each state. AAA Member discount based on number of years as a member of AAA.

Insurance Disclosure

This information is being provided for general informational purposes only. The Auto Club Group does not assume any liability in connection with providing this information.

Coverage is subject to all policy terms, conditions, exclusions and limitations. Discounts and savings opportunities subject to eligibility requirements. Subject to underwriting requirements. AAA Insurance is a collection of AAA branded insurance products, services, and programs made available to qualified members. Personal lines insurance is underwritten by Auto Club Insurance Association, MemberSelect Insurance Company, Auto Club Group Insurance Company, Auto Club Property-Casualty Insurance Company, The Members Insurance Company, Universal Insurance Company, Auto Club South Insurance Company, or Auto Club Insurance Company of Florida. ©2025 The Auto Club Group. All rights reserved.

‡Offer valid through 4/30/2025. Offer valid for Classic/Basic Memberships only. Pricing valid at member join only. Offer excludes Motorcycle coverage. Payment of full AAA Membership dues is required upon renewal. Offers, terms, conditions and restrictions apply and are subject to change without notice. Not combinable with any other offer. Offer not valid in FL, GA, MI or PR. A member can add one eligible family member for free for up to one year. Additional Associates are half price. Associate memberships are available to the Primary member’s spouse, one other adult living in the household, and their children living at the same residence or away at school. Associate members must have the same type of membership as their Primary member, with the exception of Motorcycle. Associate membership expires on the renewal date of Primary member.

Upon activation and with proper identification, AAA will provide regular AAA services and full privileges for the new member. Roadside benefits begin three days after payment of dues. Some restrictions apply. Roadside assistance is provided by independent facilities contracted by AAA. Coverage in taxis, limousines and other ride-sharing conveyances is excluded. Visit AAA.com/MemberHandbook for details about member benefits, including any limitations or restrictions. Offers, terms, conditions and policies are subject to change without notice. Savings partners subject to change. Source: 2023 AAA U.S. Market Track national surveys. Includes service vehicles owned by clubs and service vehicles owned by third parties under contract with AAA to provide services to AAA members. Taxes, fees & options excluded. Terms apply. Partners and offers are subject to change and restrictions apply. For a complete list of offers, visit us online at AAA.com/Save or your local AAA office.