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.

Free Insurance Comparison

 Secured with SHA-256 Encryption

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

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.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

 Secured with SHA-256 Encryption

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.

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

 Secured with SHA-256 Encryption