Discount Checker

Discover all the home insurance discounts you may qualify for and maximize your savings

💡 How to Use This Tool

Check all the discounts that apply to your situation. We'll calculate your potential savings and provide an action plan to claim each discount. Many homeowners miss out on hundreds of dollars in savings by not knowing about all available discounts!

🏷️ Available Discounts

🛡️ Home Security & Safety
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Security System
Professionally monitored burglar alarm system
Save up to $150/year
Documentation: Monitoring contract or certificate
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Smoke Detectors
Hard-wired smoke detectors throughout the home
Save up to $75/year
Documentation: Inspection certificate or home inspection report
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Fire Extinguisher
Accessible fire extinguisher in home
Save up to $50/year
Documentation: Photo of extinguisher with current inspection tag
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Deadbolt Locks
Deadbolt locks on all exterior doors
Save up to $100/year
Documentation: Photo verification or locksmith receipt
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Impact-Resistant Roof
Class 4 impact-resistant roofing materials
Save up to $200/year
Documentation: Manufacturer warranty or building permit
📋 Policy & Bundling
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Multi-Policy Discount
Bundle home and auto insurance with same company
Save up to $300/year
Documentation: Current auto insurance policy
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Claims-Free Discount
No claims filed in the past 3-5 years
Save up to $200/year
Documentation: Claims history report
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Loyalty Discount
Customer for 3+ years with same insurer
Save up to $150/year
Documentation: Previous policy declarations pages
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New Customer Discount
First-time customer with the insurance company
Save up to $100/year
Documentation: No prior policy with this insurer
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Automatic Payment
Set up automatic premium payments
Save up to $50/year
Documentation: Bank account or credit card for auto-pay
🏠 Home Features
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New Home Discount
Home built within the last 10 years
Save up to $250/year
Documentation: Certificate of occupancy or deed
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Recent Updates
Major updates to plumbing, electrical, or HVAC in last 10 years
Save up to $175/year
Documentation: Permits and contractor receipts
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Gated Community
Home located in a gated or secured community
Save up to $125/year
Documentation: HOA documentation or community map
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Fire-Resistant Materials
Fire-resistant roofing, siding, or construction materials
Save up to $100/year
Documentation: Building materials specifications
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Energy Efficient Features
Energy Star appliances, efficient HVAC, or green building certification
Save up to $75/year
Documentation: Energy Star certificates or green building rating
👤 Personal & Professional
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Senior Citizen Discount
Age 55+ or retired status
Save up to $200/year
Documentation: Driver's license or retirement letter
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Military/Veteran Discount
Active duty, reserve, or veteran military service
Save up to $150/year
Documentation: Military ID or DD-214
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Professional Group
Member of teachers, engineers, or other professional associations
Save up to $125/year
Documentation: Professional association membership card
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Alumni Discount
Graduate of select colleges or universities
Save up to $100/year
Documentation: Diploma or alumni association membership
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Good Credit Score
Credit score of 700+ (varies by state)
Save up to $175/year
Documentation: Credit report (we can check with permission)
🌪️ North Carolina Specific
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Hurricane Preparedness
Storm shutters, safe room, or hurricane straps
Save up to $300/year
Documentation: Installation receipts or engineering certification
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Wind Mitigation
Wind-resistant features or building code compliance
Save up to $150/year
Documentation: Wind mitigation inspection report
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Building Code Compliance
Built to or exceeds current NC building codes
Save up to $100/year
Documentation: Building permits and inspection certificates
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Potential Annual Savings

0 of 20 discounts checked

💰 Qualified Discounts

  • Select discounts to see your savings

📊 Premium Comparison

Current estimated premium: $1,200
With selected discounts: $1,200
Your annual savings: $0

Ready to Claim Your Discounts?

Contact Bill Layne Insurance Agency to review your policy and start saving money with these available discounts.

Call (336) 835-1993
1283 N Bridge St, Elkin NC 28621 | Save@BillLayneInsurance.com