Homeowners insurance discounts from State Farm®
Quality coverage, personalized service and competitive rates are just a start. See how our many home insurance discounts may make your wallet smile.
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When you purchase various insurance policies from State Farm, you could be eligible for auto and home insurance premium discounts and savings.
Discover the discounts from State Farm
Discounts vary by state. Contact your State Farm agent to determine which discounts are available in your area.
Home security insurance discount
You may qualify for homeowners insurance discounts if you have installed fire, smoke, or burglar alarms or any other eligible home monitoring system known as a protective device.
Roofing discounts2
If you use certain impact resistant roofing products, like hail resistant shingles or class 4 shingles, you may be eligible for a discount on your home insurance premiums.3 Please check with your State Farm agent before installing a new roof.
Home insurance roofing discounts are currently available in the following states.
Alabama, Arkansas, Colorado, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Mexico, North Dakota, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Wisconsin, Wyoming.
How do I become eligible for a roofing discount?
To verify your eligibility, you’ll need to print and complete the certification form. Remember only certain shingles qualify for a discount.
Wind mitigation discounts
In some states, if your residence meets certain building construction standards — such as Insurance Institute for Business and Home Safety’s FORTIFIED designations or Florida Building Codes — you may be eligible for a discount. Additionally, certain roof characteristics or opening protections may qualify for a discount. Learn more about wind mitigation or check with your State Farm agent.
Wildfire mitigation discounts
In California, policyholders who take proactive steps to protect their home from wildfires may be eligible for one or more wildfire mitigation discounts. Discounts may be available at a community level for policies located within designated communities. Or, for those policies meeting specific qualification criteria, discounts may be available at a property level. Check with your State Farm agent to learn more about wildfire mitigation discounts.
Protect your home from life's uncertainties
With an ADT® home security system, you can help protect against potential risks with sensors for water, fire, smoke and theft. (Currently available in select states.) *
Frequently asked questions about homeowners insurance discounts
It varies by state. Check with your State Farm agent to discover the discounts that might be available where you live.
To verify your eligibility, you’ll need to print and complete the certification form. Remember only certain shingles qualify for a discount.
You might be eligible for a discount if you haven’t filed a claim in a number of years, typically within the past three to five years.
The closer, the better. Ask your State Farm agent for distances that qualify for a discount. It could be between 500-1,000 feet.
In most cases, yes. The added protection could qualify you for a discount. Ask your State Farm agent for details.
It should only affect your premium payment, not your coverage.
Get a local agent who gets you
There’s a State Farm agent nearby ready to offer personalized service to help fit your specific needs.
Simple Insights®
Looking for help protecting your residence? You’ve come to the right place. Articles from Simple Insights draw on over 100 years of State Farm knowledge.
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First-time home buyer tips
Pros and cons of metal roofs1 Customers may always choose to purchase only one policy, but the discount for two or more purchases of different lines of insurance will not then apply. Savings, discount names, percentages, availability and eligibility may vary by state.
2 To be eligible for a reduction in your homeowners insurance premiums, you will need to complete the Roofing installation information and certification form.
Discount names, percentages, availability and eligibility may vary by state.
The choice of roofing materials used on your home is up to you. It's always a good idea to discuss roof safety and impact resistance with your roofing contractor. State Farm does not endorse, guarantee, or recommend roofing products, nor is the application of a discount to be construed as any type of an express or implied warranty by the manufacturer, supplier, installer, or State Farm.
Discount offers on home security products are not available in all states and may require an eligible State Farm non-tenant homeowners policy. Discount offers only available in the US. Products and services may be offered by third parties and State Farm does not warrant the merchantability, fitness, or quality of the products and services of third parties. Certain restrictions apply.
State Farm Fire and Casualty Company
State Farm General Insurance Company
Bloomington, IL
State Farm Florida Insurance Company
Tallahassee, FL
State Farm Lloyds
Richardson, TX