Home Insurance Discounts

• Household Discounts

  • Business and Professional Group – If you work for an eligible business or as a member of a professional group, you may get a discount on your policy! Contact us to see if you, or your spouse, qualify.

  • Bundle Discounts – Bundling insurance policies helps to organize your coverages and save you time and money. Combine your homeowners insurance with your life or auto policy for money savings.

  • Non Smoker – Statistically, smoking can unfortunately put your home at increased damage risk. If your household has been smoke free for 2 years, you might be eligible for a savings on your policy!

• Home Upkeep Discounts

  • Home Renovation – If you’ve renovated your home’s heating and electrical, or plumbing systems recently, you may be eligible for a rate discount.

  • New Home – If the home you live in was built within the past 9 years, it’s eligible for a special New Home discount. If you lease a home and it was built within the past 12 years, you also may qualify for a discount.
• Home Safety Discounts

  • Home Safety – Qualify for this additional discount when you’ve added loss prevention measures or environmentally-friendly features to your home, for example:

  – Fortified windows, doors, and improved connections between the roof, walls, and foundation to guard against natural disasters and extreme weather.- ENERGY STAR or EPA Certified for energy efficiency.- LEED Certified for high-performance green homes.- Whole House Water Leak Detection to shut off the main water service when a leak is found.- Automatic Gas Shutoff Valve.

• Discounts for the Family

  • Bundle Discounts – Save time and money by making us your one-stop-shop for all of your insurance needs. Bundle your  Auto insurance with any of the following policies and get a discount:

  – Home             – Renters             – Life             – Specialty (RV, motorcycle, family boat, travel trailer, rec vehicle, etc.)

  • Business and Professional Group – If you or your spouse is a member or retiree of a qualifying professional occupation or business group, you could receive a discount. Contact us to see if you’re included on this long list of professions, including teachers, accountants, nurses, engineers and more!

  • Multi-Car – Insure more than one vehicle under the same Auto insurance policy and you’ll save on your rates.

• Planning Ahead Discounts

  • Alternative Fuel  – Vehicles that run on electric, electric / gasoline hybrid, ethanol, methanol, compressed natural gas, or propane are great for the environment, save you money at the pump, and can lower your Auto insurance rates.

  • Loyalty Discount – A special “Thank You” discount for loyal policyholders: You may qualify for reduced rates for remaining with the same company for 3 or more years.

• Classroom Discounts

  • Good Student –  Young drivers in California with less than 9 years of driving experience, who maintain a “B” average or better are eligible for savings. This discount can also apply to students that meeting one of the following academic criteria:

  – College students with a 3.0 (out of 4.0) grade point average or higher

                             – Dean’s List or Honor Roll students

                             – Students ranked in the top 20% of their class or on recognized standardized tests. To qualify, please contact us with any applicable documentation (report card, transcript, etc.).

  • Inexperienced Driver Training – Are there any drivers in your home with less than nine years of driving experience and no traffic violations on their record? Have them complete a driver safety program and receive additional savings!

• Defensive Driving Discounts

  • Antilock Brakes – Covered vehicles built with factory-installed, four wheel anti-lock braking systems are eligible for this premium discount.
  • Anti-Theft – Have an alarm system or similar anti-theft or vehicle recovery device installed in your vehicle, like Lojack, Alert Trac, Onstar, Teletrac, or On-Guard? Then you may be eligible for an additional rate discount.
  • Electronic Stability Control (ESC) – If your vehicle features factory-installed Electronic Stability Control (your car company may refer to it as Electronic Stability Program “ESP” or Dynamic Stability Control “DSC”) you may qualify for a discount off your Collision Coverage.
  • Good Driver – Experienced drivers are generally less risky to cover. So in California, if you’re (1) licensed for 3 years without a suspension, lapse, or failed renewal, and (2) have had no more than 1 point on your license in the past 3 years, you may be eligible for a rate discount.
  • Passive Restraint – Factory-installed safety features like automatic seatbelts and airbags protect you and reduce the likelihood of injuries in a crash. So we discount your premium if they’re fitted in your vehicle
  • Senior Defensive Driving – If you are 55 or older, and successfully complete a Department of Motor Vehicles approved driver safety course, you may be eligible for a discount.