Homeowners Insurance Discounts and Credits

Are you familiar with the discounts and credits on homeowners insurance in Massachusetts, including Boston? Below you’ll find information on how you are covered and your available options. Review the details to see if your home owner’s insurance policy in Massachusetts and Boston qualifies.


The following discounts and credits may be obtained on your Homeowners Insurance policy, depending on the company you are insured with:

1. Loss Free Credit

Depending on your claim history, you may be eligible for a discount on your policy if you have a favorable claim history.

2. Discounts for Alarms

Depending on the burglar alarm you have at your home, you may be eligible for a discount on your policy.

3. Combination Policy Discounts

If you insure your Home and Auto with the same insurance company, you will be eligible for a discount on your Homeowners policy.

4. New Buyer Discount

If you purchased a home in the last year, you may be eligible for a discount.

5. Non Smoker

If no one in your home is a smoker, you may be eligible for a premium credit on your policy

6. Prevention

Credits for smoke detectors, deadbolts and fire extinguishers exist as well

7. New Home Discount

By insuring a home built recently, you can earn an extra discount.

8. Home Safe Credit

If the named insured or spouse has completed the HomeSafe educational program offered by the Massachusetts Affordable Housing Alliance, an added credit can be applied to the policy.

9. Mature Owner Credit

If the named insured and/or spouse (if any) are at least age 55; and the residence premises is not unoccupied for more than 3 consecutive months during the year; and the residence premises is the principal residence of the named insured,  the policyholder will be eligible for a discount on their policy.

10. Winterizing Credit

If a freeze alarm is added to your home to prevent pipes from freezing, you are eligible for a credit on your policy.

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