Home insurance discounts to check at renewal.

Ask what changed

Compare last year's discount section with this year's. Discounts can change because documentation expired, a bundled policy changed, a mitigation feature was not recorded, or the insurer changed eligibility rules.

Discounts to ask about

• Protective devices: smoke alarms, security systems, sprinklers, deadbolts, leak sensors.
• Wind, roof, wildfire, or other mitigation credits.
• Multi-policy or account discounts.
• Claim-free, loyalty, paperless, or automatic payment discounts.
• New roof, upgraded electrical, plumbing, or HVAC documentation.

Do not trade away important coverage blindly

Raising deductibles or removing endorsements can lower premium, but that is not the same thing as a discount. Use RateReceipt tools to compare the tradeoff.

Sources

New York DFS notes that companies may offer discounts for loss-minimizing devices, and Louisiana DOI publishes wind mitigation resources. Review NY DFS cost factors and Louisiana DOI homeowners insurance.