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home insurance discounts: policy level
Homeowners insurance discounts at the policy level generally don't involve your actual home — or the things that do (and don't) happen to it — at all. Rather, these discounts depend on how you buy and manage your policy. In some cases, you can score perks before even setting foot inside your abode.
Future Effective Date discount
We think planning ahead should be rewarded. That's why we offer a Future Effective Date discount. All you need to do to qualify is set the effective date of your homeowners policy to be at least 7 days after the day you buy the policy.
Preferred Buyer discount
This discount kicks in the minute you buy your policy, simply because every new customer deserves to start off on the right foot. And just because we love to save you money, the Preferred Buyer discount will get even bigger if you're mortgage-free, and as you pay your premium on time over the years, you can watch the savings stack up.
Do you already have a car insurance policy with Esurance? If so, you qualify for this discount on all your policies.
Welcome Home discount
New to Esurance? There's a discount for that. We love new customers, and we like to show our appreciation by saving them money.
Loyal Customer discount
We think loyalty should be rewarded. That's why we offer this discount just for renewing your policy with Esurance.
Esurance was born online, so being green is part of our DNA. That's why we offer a $25 discount to manage your policy online, instead of by post. When you help us save trees, we'll help you save money.
home insurance discounts: household level
Now that we've covered the homeowners insurance discounts that you can get from the comfort of your chair, let's bring you up to speed on the savings that more directly involve your house.
Owning a home is a big deal. Whether your home is brand new or just new to you, you'll get a discount just for purchasing your home within the last 5 years. It's our way of saying congratulations on being a homeowner.
DIY Inspection discount
Doing your inspection yourself is a lot less expensive than hiring a professional to do it, and we pass those savings on to you. Just download our mobile app, shoot a couple of videos and send them to us (don't worry, the app will walk you through it all), and we'll knock at least $100 off your premium, simple as that.
Hail Resistant Roof discount
We don't like the thought of chunks of ice the size of hockey pucks ruining your roof any more than you do. That's why we offer a discount for homeowners who reduce this risk.
Home Safety Features discount
Devices like burglar alarms, smoke detectors, and sump pumps can reduce the risk of damage to your home. And they could save you money on your homeowners insurance, too. The more safety features you have, the more you could save.
Go at least one year without filing a claim and start saving. The longer you stay incident-free, the bigger your discount can get.
If no one in your household smokes, you can get a great discount. Just like that.