Insurance carriers offer dozens of home discounts — but they don't apply them automatically. You (or a good agent) have to ask. Here's a complete list of discounts available to Michigan homeowners in 2026 and what each typically saves.
1. Multi-Policy / Bundle Discount
Typical savings: 15-20% off home AND auto
The biggest single discount. Bundling home and auto with the same carrier (especially Farmers) typically saves Michigan families $400-700/year combined.
2. Claim-Free Discount
Typical savings: 5-15%
Most carriers reward 3+ years claim-free with a tiered discount that grows over time.
3. New Home / New Roof Discount
Typical savings: 10-25%
Homes less than 10 years old (or with a new roof installed within the last 1-5 years) qualify for significant discounts.
4. Protective Devices
Typical savings: 5-15%
- Monitored fire alarm system
- Monitored burglar alarm
- Smart water sensors / automatic shutoff
- Fire extinguishers
- Deadbolts
5. Updated Major Systems
Typical savings: 5-20%
Carriers reward homes with updated electrical, plumbing, roof, and HVAC. Make sure your agent has the install dates.
6. Paid-in-Full Discount
Typical savings: 5-10%
Paying your annual premium upfront vs. monthly.
7. EFT / Auto-Pay Discount
Typical savings: 2-5%
Setting up automatic bank withdrawal.
8. Loyalty Discount
Typical savings: 3-10%
Many carriers offer tiered discounts at 3, 5, and 10 years.
9. Senior / Mature Homeowner Discount
Typical savings: 5-15%
Most carriers give discounts to homeowners over 55 or retired.
10. Smart Home Discount
Typical savings: 5-10%
Smart thermostats, smart smoke detectors, and connected security systems qualify.
11. Gated Community / HOA Security
Typical savings: 2-5%
If your neighborhood has private security or a gate.
12. Affinity / Group Discounts
Typical savings: 5-15%
Many carriers offer discounts through employer groups, alumni associations, or professional organizations.
How to Maximize Your Discount Stack
Most homeowners qualify for 4-6 discounts at once. Stacking them can reduce premiums by 30-40% versus the base rate. The catch: you have to provide documentation (alarm certificates, age of roof, install dates, etc.).
Carrier-Specific Programs
Farmers Insurance offers some unique Michigan-specific programs we can layer on top. Our team builds the full discount stack for every quote — no missed savings.
Get a Maximum-Discount Quote
Fill out our quote form and let us know about your home's updates, security features, and any group affiliations. We'll apply every discount you qualify for.
Get a Free Michigan Home Insurance Quote
Local Farmers Insurance agent in Belding, MI. Most clients save $1,200+ per year.