Homeowner Car Insurance Discount

A homeowner car insurance discount could help you save money on your car insurance premiums. However, not all insurance companies offer this type of discount, and this discount is different from the savings you get when bundling your policies. If you qualify for a homeowner auto insurance discount, you could save 10 percent or more on your premiums.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Mar 30, 2021

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The Rundown

  • Many car insurance companies will offer you a discounted rate on your premiums if you own a home
  • Car insurance companies want to avoid risk; homeownership makes individuals seem more stable and less of a risk to insurers
  • A homeowner car insurance discount is separate from the savings you could have by bundling your insurance policies with the same provider

If you live in a home that you own, you could save money with a homeowner car insurance discount. Many car insurance companies offer a discount to homeowners because they find these people to be less of a risk to insure.

The specifics offered by your car insurance company may differ based on your location, your driving history, and many more personal factors, but if you are a homeowner, it doesn’t hurt to see if your provider offers a discount.

A homeowner car insurance discount can be confused with the savings offered by insurance companies when you bundle your policies together. These savings are different.

You could even get a homeowner discount on your car insurance and an additional discounted rate because you bundle your policies.

If you’re ready to save on your auto insurance costs with a homeowner car insurance discount, enter your ZIP code above to compare car insurance quotes from the top companies in your area.

How do I get a homeowner car insurance discount?

First, you should speak with your insurance representative and see if they offer homeowners insurance discounts. Your car insurance company may or may not offer this type of discount.

Once you confirm that this discount is available, you will need to prove to your car insurance company that you, in fact, own your home. Typically, you would show proof in one of the following ways:

  • Show a mortgage coupon.
  • Show your homeowner’s insurance policy.
  • Show your home tax statement.

Any one of those three documents should be enough proof to qualify you for the homeowner car insurance discount.

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Is it cheaper to bundle my insurance policies?

Many car insurance companies do not offer specific details about their homeowner car insurance discount, but many companies provide details on the potential savings you could get on your home and car insurance policies by bundling.

If you just bought a home, you might want to consider buying homeowner’s insurance from your car insurance provider. Not only does this make it easier for you to manage all of your policies in one place, but you can get cheap car and home insurance by bundling your policies.

You can learn more about the potential savings you could get from bundling and other car insurance discounts from this helpful resource from the Insurance Information Institute.

If you’re ready to save on your car insurance rates with a homeowners discount, enter your ZIP code below to compare homeowner car insurance discounts in your local area.

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