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Home – Discount Checklist

Save more with AMERICAN INSURANCE. We have more ways to save. Check it out! Experienced and helpful agents are available to make quoting easy, provide information and advice, and get you every available discount. Availability of discounts and savings potential varies depending on the insurance company selected and your state of residence.

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Home Purchase

Up to 10% discount

for newly purchased homes (regardless of the home's age)


Up to 20% discount

with accident-free driving record

Newer Homes

Up to 40% discount

for homes under 10 years old

Home Renovation

Up to 12% discount

for each update of plumbing, electrical, heating/cooling, or roof

Renewal Discount

Up to 10% discount

Renewing your policy pays. Discounts are applied based on years of renewal

Senior Discount

Up to 20% discount

for home owners age 60+


Up to 25% discount

for insuring your home or renters policy and auto policy with the same insurance company

Auto + Home = More Savings

Alarm Discounts

Up to 15% discount

For protective devices like smoke detectors, fire and burglar alarms

Insurance Score

Discounts vary

for "Named Insureds" who maintain better credit and other financially based characteristics

Payment Method

Discounts vary

based on how you pay. Generally paying in full or by monthly EFT reduces your premium.