How to Get a Homeowner Discount

A homeowner auto insurance discount can be combined with other discounts to save a significant amount of money. In fact, when you own your home and qualify for this discount, you could save up to 25% on your auto insurance rates. Not all insurance companies offer a homeowner discount, so start shopping around and asking for hidden auto insurance discounts like this one to find out how much you can save.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 14, 2021

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Things to Remember

  • To qualify for a homeowner auto insurance discount, you have to show proof of homeownership
  • A homeowner discount is one of the hidden auto insurance discounts you should ask for if you own your home
  • Stacking discounts on top of your homeowner discount will lead to the lowest homeowner auto insurance discount rates

Bundling your homeowner’s insurance and your auto insurance is a great way to save. However, most people don’t realize that one of the best auto insurance discounts to ask for is the homeowner auto insurance discount. To qualify for this discount, you must own your home.

If you didn’t own your home when you signed up for your auto insurance, this might be the perfect time to compare rates and add more discounts. When shopping for cheap auto insurance rates, you can inquire about homeowner auto insurance discount quotes.

If you want an affordable homeowner auto insurance discount company, enter your ZIP code now to compare auto insurance quotes from local companies for free and start saving.

How do I qualify for a homeowner auto insurance discount?

The most significant part of qualifying for a homeowner car insurance discount is to own your home. If you rented your house when you purchased your auto insurance, you would not have qualified for it.

So, when you buy a house, you should then check with your insurance company to see what discounts they offer. If your current insurer does offer a homeowner auto insurance discount, you will need to prove that you own your home.

Several items will work for proving homeownership. They include:

  • Home Tax Statement
  • Copy of Homeowner’s Insurance Policy
  • Mortgage Statement

These are only a few of the options. Each auto insurance company is different, and checking their specific requirements will ensure you have the correct paperwork for your homeowner auto insurance discount.

You should compare your home and auto insurance companies to make sure you have the best fit for all of your insurance needs. Not everyone will find the best savings by putting both policies in the same place.

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Are there other auto insurance discounts for homeowners?

There are a plethora of discounts that homeowners may qualify for. In fact, you may be eligible for many discounts that have nothing to do with homeownership. However, buying a new home is the perfect time to start shopping for better auto insurance rates.

When figuring out what savings will be the best, home and auto insurance bundles may be the way to go. However, there are many other discounts you will want to look into.

For example, if you move your homeowners insurance policy to the same provider as your auto insurance, you may qualify for a homeowner insurance discount and a multi-policy discount.

Here is a look at some of the most common discounts that top-rated insurance companies have to offer:

Common Auto Insurance Discounts Offered by Insurance Companies
Vehicle DiscountsDriver/Customer DiscountsPersonal Discounts
Active Disabling DeviceClaim FreeEmergency Deployment
Adaptive Cruise ControlContinuous CoverageFamily Legacy
Adaptive HeadlightsDefensive DriverFamily Plan
Anti-lock BrakesDriver's EducationFederal Employee
Audible AlarmDriving Device/AppFurther Education
Automatic BrakingEarly SigningGood Student
Blind Spot WarningFull PaymentHomeowner
Daytime Running LightsGood CreditLife Insurance
Economy VehicleLoyaltyMarried
Electronic Stability ControlMultiple PoliciesMembership/Group
Farm/Ranch VehicleMultiple VehiclesMilitary
Forward Collision WarningNew Customer/New PlanNew Address
Garaging/StoringOccasional OperatorNew Graduate
Green/Hybrid VehicleOnline ShopperNon-smoker/Non-drinker
Lane Departure WarningOn-time PaymentsOccupation
Newer VehiclePaperless/Auto BillingRecent Retirees
Passive RestraintPaperless DocumentsStable Residence
Utility VehicleRoadside AssistanceStudent Away
Vehicle RecoverySafe DriverStudent or Alumni
VIN EtchingSeat Belt UseVolunteer

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As you can see, there are a ton of discounts that can help bring your auto insurance rates down.

When you are ready to buy a homeowner auto insurance discount policy, enter your ZIP code here and see how much you can save.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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