Top 3 ways customers say they’ve saved on homeowners insurance

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Written by
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Reviewed by
Farmers CSR for 4 Years
UPDATED: 2022-07-22T09:01:59.066Z
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A photo of a piggy bank in front of a house to indicate saving money on homeowners insurance.

When was the last time you checked your homeowners insurance policy? Even if you’re not in the process of buying or refinancing your home, it might be worth it to reconsider your homeowners insurance. You might be paying more than you need to simply because it’s easier to stick with the home insurance carrier that you’ve had all along. So if you’ve been wondering how to save on homeowners insurance, this post has you covered.

With many new options available, you could save money while getting the same or even better coverage from another carrier. And, even if you’re happy with your current homeowners insurance company, there could be ways to save that you haven’t considered yet. Read on to find out the tried-and-true tactics that Clearsurance customers have used to save money on home insurance.

1. Shop around and get multiple quotes

This is the most obvious answer to the question of how to save money on home insurance, but it’s one that people skip because it can take time. Don’t get discouraged! Shopping around and seeing what your options are (getting quotes from 3+ carriers) is the only real way to know if you’re currently paying too much for coverage.

And think about the short term and long term savings that could result from switching your home insurance company! If you are closing on a new house, it's a great time to shop around for the best homeowners insurance rate.

There are ways to make this process easier, such as checking out lists of top homeowners insurance companies as rated by price. You can also learn a great deal about homeowners insurance companies, their pricing, policies, and customer service, by reading reviews.

According to Than Merrill, CEO of FortuneBuilders, "Pay careful consideration when shopping for homeowners insurance. Most companies are willing to help homeowners find a plan that meets their needs and is also in their budgets. When you mind your due diligence and avoid hasty decision-making, it is possible to find a manageable coverage plan. There are plenty of online calculators that will provide you with estimations of homeowners insurance costs. Take advantage of these tools before committing to your plan."

Clearsurance has thousands of homeowners insurance customer reviews and many of them say that shopping around has saved them money.

Here’s an example of someone who saved money by shopping around and deciding to go with Lemonade for home insurance:

"Everything about this company is transparent and they are very easy to work with. I saved a significant amount of money compared to my previous homeowners insurance company." – thienelfam, Lemonade Customer Reviewer

You can read the full review here.

This review also highlights another benefit to shopping around for homeowners insurance: you may find deals with newer companies. While there are many, many longstanding insurance companies offering homeowners insurance, there are also a number of newer entrants to the marketplace that have different business models.

Lemonade, the insurance company highlighted in this review, is a different kind of insurance company. Most of the functions you associate with insurance companies, such as applications and claims, are handled by artificial intelligence at Lemonade. This makes everything from applying to handling claims go very fast, and it saves money. If Lemonade is available in your area, consider getting a homeowners insurance quote to see if you can save.

2. Bundle your insurance policies

Bundling is a well-established means of saving money on insurance policies and many people are familiar with the practice. It is worth reiterating here because it’s the easiest way to save money, especially if you have more than one type of insurance policy.

If you carry homeowners insurance with one company and have two cars insured with another carrier, you should check to see if you’d save money by insuring everything with the same insurance company.

The first step is determining which of your insurers provide different types of coverage. Not all companies do—for example, the company mentioned above (Lemonade) doesn’t currently offer auto insurance. So, if you’re looking to bundle to save money, you have to find an insurer that offers the coverages you need.

Many large, nationally available insurance companies do offer both home insurance and auto insurance. Here’s a review from a customer who saved money by bundling policies through Progressive Insurance:

"Best in savings! I was with another company for Home, and one for auto, so when it came time to renew I called and asked about bundling the two and if I would save any money? Of course the price was higher with the new policy, (no repeat customer discounts, yet) but I did get a reduced premium for bundling. They get a good review from this senior!" – JM52, Progressive Customer Review

Bundling could save you money and it’s an important thing to consider if you currently have multiple insurance policies with different insurers.

  1. Gather up your policies and add up much you’re currently spending on homeowners and auto insurance.
  2. Then, figure out if you’re able to switch policies to a single insurance company that you already have a relationship with, or if you’ll need to find a new company in order to bundle your policies.

The next step is to start gathering information on which companies do best with bundling options. That’s when reading customer reviews comes in handy, you can learn a lot by reading about other customers’ experiences. Bundling may not be cheaper with every company, but it’s worth it to check into it because customers often report saving money by bundling.

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3. Consider all of your possible discounts available

There are many discounts offered by homeowners insurance companies that can save you a significant amount on your homeowners insurance premium. This is a bit of a broad blanket category that requires a bit of explanation. There are many different types of discounts on home insurance coverage available to customers who meet certain qualifications.

For example, if you are an educator who lives in a state served by Meemic, you could save money on your homeowners insurance by switching to that insurance company. The same applies to members of the military who qualify for USAA insurance. There are a number of professions that offer insurance under affiliations and, in many cases, the rates are favorable.

Here is a review from a homeowner who received a discount from Allstate insurance, based on profession:

"Allstate is awesome. They have saved me more money than anyone else through a first responder discount." – Luvisaverb, Allstate Customer Review

Some insurers offer discounts to homeowners who install systems that have the impact of reducing the cost of claims. Smart home systems for home security and safety that alert homeowners to hazards such as leaks or sprinkler systems in areas prone to wildfires are examples of preventative systems that homeowners can install. These home improvements may result in discounts on a homeowners insurance policy.

In addition to these three ways customers have saved money on home insurance, there are a handful of other things you can try to get cheaper homeowners insurance, including raising your deductible. However, be aware that if you do that, you could end up paying more out of pocket if you need to file a claim to cover the costs. Evaluate all your options and find the best ways to save.

Hopefully this gives you some options to consider if you’ve been wondering how to save money on homeowners insurance. The best way to get unvarnished opinions is to read reviews from other customers, so with this as your starting point, we hope you’ll be able to save some money on your home insurance!

See which companies customers say are the best in your zip code by visiting Clearsurance’s homeowners insurance rankings page. The ranking is based solely on customer reviews. See the full list of top customer-rated insurance companies in your state to see all of your home insurance options.

To get custom recommendations based on your specific scenario, visit the Clearsurance Homeowners Insurance recommendations page where you can see all of the “Get Quote” options customized to your needs and connect directly with insurance providers (no personal information required on

The content on this site is offered only as a public service to the web community and does not constitute solicitation or provision of legal advice. This site should not be used as a substitute for obtaining legal advice from an insurance company or an attorney licensed or authorized to practice in your jurisdiction. You should always consult a suitably qualified attorney regarding any specific legal problem or matter. The comments and opinions expressed on this site are of the individual author and may not reflect the opinions of the insurance company or any individual attorney.

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