Policy Discounts

Prepared to save you money

Our goal is to provide the right products for you at the best value. We offer a wide range of policy discounts for home, condo, rental and dwelling fire insurance, and you don’t have to sacrifice coverage to reduce your premium.

We offer a wide range of policy discounts for your home insurance to provide the best coverage at the best value.

Each discount does not apply to every product. Speak with your local insurance agent for eligibility.

Claim Free
Get up to a 5% discount if you have not filed a home insurance claim for three years or more.

Concierge Claim Service
Receive a 20% deductible discount on claims that don’t involve storms or wind/hail damage.

Electronic Discount
Going paperless isn’t just good for the planet, it’s great for your wallet. Receive a $10 discount on your premium when you sign up for paperless billing in the Customer Portal.

Multi-Policy
Get comprehensive protection and additional savings when you have homeowners and flood insurance policies with Prepared. Insuring your home with flood coverage could help you save up to 2.5%. Learn more about adding flood insurance.

Protective Devices
Receive savings when your home has additional protection against fire and theft, such as central fire and burglar alarms, local burglar alarm, or sprinklers.

Secure Community
Save on the cost of home insurance if your community/condo has the following:

  • Single entry in/out
  • 24-hour security guard or roaming patrol
  • Passkey gate

Senior/Retiree
Reached the age of 60, or 55 and retired? You could save up to 10% on home insurance.

Sprinkler
You may qualify for special savings if your home meets the nationally accepted fire sprinkler standards throughout.

Titanium Package
This strengthens your homeowners policy to cover additional items with increased coverage limits for a bundled premium.

Wind Mitigation Features
Receive a credit when your roof meets select building and feature requirements.

Protective Devices
Receive savings when your home has additional protection against fire and theft, such as central fire and burglar alarms, local burglar alarm, or sprinklers.

Secure Community
Save on the cost of home insurance if your community/condo has the following:

  • Single entry in/out
  • 24-hour security guard or roaming patrol
  • Passkey gate

Senior/Retiree
Reached the age of 60, or 55 and retired? You could save up to 10% on home insurance.

Sprinkler
You may qualify for special savings if your home meets the nationally accepted fire sprinkler standards throughout.

Wind Mitigation Features
Receive a credit when your roof meets select building and feature requirements.

Protective Devices
Receive savings when your home has additional protection against fire and theft, such as central fire and burglar alarms, local burglar alarm, or sprinklers.

Secure Community
Save on the cost of home insurance if your community/condo has the following:

  • Single entry in/out
  • 24-hour security guard or roaming patrol
  • Passkey gate

Senior/Retiree
Reached the age of 60, or 55 and retired? You could save up to 10% on home insurance.

Sprinkler
Fire Sprinkler System must be compliant with the nationally accepted fire sprinkler standards and present throughout risk.

Wind Mitigation Features
You may qualify for special savings if your home meets the nationally accepted fire sprinkler standards throughout.

Multi-Policy
Get comprehensive protection and additional savings when you have another active Prepared insurance policy in addition to Dwelling Fire.

Concierge Claim Service
Receive a 20% deductible discount on claims that don’t involve Hurricane or Sinkhole damage.

Protective Devices
Receive savings when your home has additional protection against fire and theft, such as central fire and burglar alarms, local burglar alarm, or sprinklers.

Secure Community
Save on the cost of home insurance if your community/condo has the following:

  • Single entry in/out
  • 24-hour security guard or roaming patrol
  • Passkey gate

Senior/Retiree
Reached the age of 60, or 55 and retired? You could save up to 10% on home insurance.

Sprinkler
You may qualify for special savings if your home meets the nationally accepted fire sprinkler standards throughout.

Wind Mitigation Features
Receive a credit when your roof meets select building and feature requirements.

Discounts and savings will vary by customer. Restrictions apply.