How to lower your rates with homeowners insurance discounts

Quality coverage, personalized service and competitive rates are just a start. See how our many home insurance discounts may make your wallet smile.

Discover the discounts
from State Farm®

Discover the discounts from State Farm®

Discounts vary by state. Contact your State Farm agent to determine which discounts are available in your area.

Bundling discount1

When you purchase various insurance policies from State Farm, you could be eligible for auto and home insurance premium discounts and savings.

Learn about bundling savings

Home security insurance discount

You may qualify for homeowners insurance discounts if you have installed fire, smoke, or burglar alarms or any other eligible home monitoring system known as a protective device.

Check with an agent

Roofing discounts2

If your roof is deemed a total loss as a result of a covered claim, the base homeowners policy from State Farm includes loss settlement for your roof on a replacement cost basis.

  • It does not vary the loss settlement based on what type of loss has occurred.
  • We’ll settle your roof claim at replacement cost (when the roof is actually replaced) regardless of whether it’s damaged by fire, wind/hail or any other covered loss.
  • We do not require a larger deductible for roof losses.

If you use certain impact resistant roofing products, like hail resistant shingles or class 4 shingles, you may be eligible for a discount.3 Please check with your State Farm agent before installing a new roof.

See roofing material discounts

Wind mitigation discounts

In some states, if your residence meets certain building construction standards -- such as Institute of Business and Home Safety designations or Florida Building Codes -- you may be eligible for a discount. Additionally, certain roof characteristics or opening protections may qualify for a discount. Learn more about wind mitigation or check with your State Farm Agent

Higher deductibles

While a higher deductible lowers your premium, it will increase the amount for which you are responsible if a covered loss occurs. So, if you’re okay with more financial risk, you can lower your monthly premium. It’s your choice.

Get a homeowners insurance quote

Get help from a local State Farm agent

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What are umbrella policies?

It’s additional liability protection for when you want more.

1 Customers may always choose to purchase only one policy, but the discount for two or more purchases of different lines of insurance will not then apply. Savings, discount names, percentages, availability and eligibility may vary by state.

2 To be eligible for a reduction in your homeowners insurance premiums, you will need to complete the Roofing installation information and certification form

3 Premium reductions are not available for roofs that have been overlaid onto existing roofs, except for certain qualifying metal roofs. For a list of qualifying roofing products and the states where discounts are available, please view the State Farm qualifying roofing products listing


Discount names, percentages, availability and eligibility may vary by state.

State Farm Fire and Casualty Company
State Farm General Insurance Company
Bloomington, IL

State Farm Florida Insurance Company
Winter Haven, FL

State Farm Lloyds
Richardson, TX