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.
When you purchase various insurance policies from State Farm, you could be eligible for auto and home insurance premium discounts and 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.
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.
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.
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
Want to know more about homeowners insurance?
Find out if you just transfer insurance to the new address or if you need new coverage.
A few helpful things homeowners should keep in mind for home insurance reviews.
Being a first-time home buyer can be daunting.
Your belongings might need protecting while in transit.
Protections to consider with your new home.
It wouldn’t be home without them. Are they covered, too?
Learn how and why you should keep a list of all your belongings and their worth.
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
State Farm Florida Insurance Company
Winter Haven, FL
State Farm Lloyds