Home Insurance Discounts And Offers

Our Featured Home Insurance Offer: Liberty Mutual

More Home Insurance Employee Discount Offers

Liberty Mutual

Switch And You Could Save $842 On Car and Home Insurance.


Check if you’re overpaying. Compare quotes from 10+ companies at once!

Home Coverage Options

Home Coverage Options Shop Home Insurance Today!

Choice Home Warranty

Never pay for covered home repairs again. First Month Free with Purchase!

The Hartford AARP Auto Insurance

Safe driver age 50+? You could save $449* on car insurance from The Hartford.

Guard Home Warranty

Save money on costly home repairs with Guard Home Warranty. One month free with annual plan!

More About Home Insurance

Home Insurance Discounts

Home insurance is something that few people think about after the initial purchase. It just becomes a monthly add-on to the regular mortgage payment with its impounds. However, would it be possible to save with cheap home insurance?

Why Get Home Insurance Plans in the First Place?

Owning a home is about more than making some aesthetic upgrades here and there. It’s also about staying on top of finances, so you can continue living in the structure. Part of this financial responsibility is buying home insurance coverage that helps you mitigate damages.

If a wall were to crumble in a covered event, the insurance policy helps pay for its rebuilding. You only pay the deductible. Since few people have enough money in savings to pay for extensive home repairs, the insurance coverage protects you financially.

What Do Home Insurance Programs Cover?

As a general rule of thumb, a comprehensive policy covers the home itself, other structures that you might have on your land, personal belongings, and liability for injury or damage to others and their belongings. What does this mean in real life?

  • Damage to the home. A fire starts in the chimney. It causes damage to the house. The typical home insurance coverage pays to fix the damage. Maybe there’s a freak hailstorm. It takes out your roof. The insurance helps.
  • Structure. The she-shed burns down. A tree falls on the tool shed in your yard. Home insurance companies help you pay to replace these structures.
  • Property. A burglar steals the new TV that you planned to mount over the fireplace. The chimney fire damaged your curtains. Home insurance plans cover these personal belongings.
  • Liability. Someone visits you and falls on your driveway. The person suffers a broken leg. Your insurance will pay for medical bills and for your legal expenses.

The best home insurance policies offer this comprehensive approach to protection. That said, many cheap home insurance companies might provide lower quotes by eliminating some of them. That’s not always a bad thing. For example, if you’re insuring your condominium, you most likely won’t have any secondary structures that you need to protect. Therefore, there’s no point paying for the coverage.

Even so, your home insurance quote should provide individualized protection where necessary. If you own extensive electronics as part of your personal property, you may need to boost this coverage aspect of your policy.

Typical Home Insurance Discounts

The best home insurance policies offer a broad range of discounts. Frequently, these depend on the company that writes the policy. Besides that, there are ways that you can minimize a home insurance quote.

  • Insurance bundling. You agree to buy other insurance from the company, too. Examples include coverage for cars, boats, and life.
  • Monitored fire alarms. Many homes now have smoke detectors that are wired into the structure’s electrical system. If you have a burglar alarm, you can frequently include fire alarm system monitoring with the service. It can reduce the cost of home insurance.
  • No claim history. If you have a clear history with this or another insurer, home insurance companies figure that you’re a safe risk.

How Easy is it to Get a Home Insurance Quote?

You could spend a weekend researching the best cheap home insurance on the market. But do these companies also offer you all the coverages that you need? Employee And Member Discounts has done the legwork for you. Not only have experts vetted the best home insurance programs, but they’ve also found discounts that’ll make it more affordable to get a policy that has the little extras to make you rest easier.

Become A Member!

And get access to exclusive offers and deals from the top brands and retailers