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Home Insurance Discounts* |
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Insurance Score Discount - Up to 75%* |
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Although many factors are used in determining your Insurance Score, credit remains one of the strongest factors in determining it. The rate you pay for your insurance can be greatly reduced, by having good credit. It is good practice to know your credit score and make repairs if errors exist. Sometimes use of a credit repair company can help improve your Insurance Score, but there are other factors be side's credit, used in determining your final "Insurance Score". At the moment, we are unable to offer a do-it-yourself online homeowners insurance quote, but if you leave us your information, we'll be happy to give you a Homeowners quote Online.
Would you like to remove charge offs, judgments, or other bad credit from your credit report?
Would you like to raise your score 50, 100, or even 200 points? Would you like to experience the feeling of being approved for a new car or a home loan? Would you like to see your insurance rates go down?
Click this link to our
Credit Repair page.
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Auto/Home Discount - 10% to 15% |
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| Do you insure your Home and your Auto with us? If you do, review your policy, or call us to make certain you are getting this discount. If not, or you've tried us in the past, give us a call or request a quote online, as the rules and rates have changed. Get an Auto Insurance Quote online. A discount for Homeowners and Renters may be applied to the homeowners policy provided the named insured or spouse is also the named insured under a Farmers Auto Policy. Our representatives are trained to quote your home and auto simultaneously, in order to give you the lowest rate quote. | |||||||||||||||
| Auto/Home/Life Discount - up to 19% | |||||||||||||||
| If you have Auto, Home and Life* insurance with Farmers, you might save as much as 19% on your Home insurance! Every time we give an Auto Insurance Quote or a Home Insurance Quote, we will also give you a quote for Life Insurance. Often the money saved on the Homeowners Insurance and the Auto Insurance, is more than the total cost of the Life Insurance. That's what I call a "No-Brainer", because it's just like getting Free Money! After all, if your home is worth insuring, and your car is worth insuring, then aren't you? | |||||||||||||||
| Automatic Sprinkler Discount - 8% | |||||||||||||||
| This discount is available for homes with a current Residential Fire Protection Sprinkler System Certificate. | |||||||||||||||
| Central Station Burglar Alarm Discount - 10% to 15% | |||||||||||||||
| Homes with burglar alarms reporting to a police department or private security company central station qualify for premium discounts. If you have a monitored alarm in your home, please send us a copy of your current bill, reflecting your service is current. You can e-mail, fax, or mail it. Be sure and mention this when calling for a Homeowners rate quote, or make sure you check the "yes" box in the section marked "Central Burglar Alarm" when requesting an Online Home Insurance rate quote. | |||||||||||||||
| Claims Free Discount - 5% to 15% | |||||||||||||||
| This credit is based on the number of claims-free years with Farmers. Unfortunately this discount is not offered when you first apply for Homeowners Insurance. The discount increases annually up to five years, for every year you are claim free. | |||||||||||||||
| Fifty Plus Discount - 5% | |||||||||||||||
| This discount applies if the oldest named insured is age 50 or older. | |||||||||||||||
| Fifty Five Plus Discount - 5% to 15% | |||||||||||||||
| Any person in your household over 55 will qualify for the discount, but they must be shown on your declarations page. It is a statistical fact that seniors file fewer claims. Farmers offers discounts to seniors on Homeowners Insurance. | |||||||||||||||
| Home/Life Insurance Discount - 5% | |||||||||||||||
| Many times this discount is larger than the cost of the Life Insurance. Call us for quotes, an in-home review, or request a Life Insurance Quote online. Of course we always recommend allowing us to write your Homeowners Insurance and your Auto Insurance along with your Life Insurance, however we understand this is not always possible. In these circumstances, you can still get a discount on your Homeowners Policy, if we also have your Life Insurance Policy with Farmers. | |||||||||||||||
| Interior Inspection Discount - 3% to 10% | |||||||||||||||
| Call us to request an interior inspection. The cost of the home inspection is born by you, but is offset by the discount on your Homeowners Insurance. The discount is 10% the first year, 7% the second, and 3% the third. You may request a new home inspection every three years. | |||||||||||||||
| New Home Discount - 8% to 47% | |||||||||||||||
| Homes constructed during the current calendar year and the last 7-9 calendar years are acceptable for this discount. Brand new homes qualify for the lowest rates on home insurance. Whether you are shopping for a new home, or in the market for an existing home, consider the services of our Recommended Real Estate Agents. | |||||||||||||||
| Non-Smoker Discount - 1% | |||||||||||||||
| Applies when all resident members of the household have not smoked tobacco products in the past 2 years. When you apply for an online home quote, be sure and mention in the notes section, that you are a non-smoker. If you're already a Farmers customer, check your policy for the discount, or call us for an Online Insurance Review. | |||||||||||||||
| Protective Devices Discount - Varies | |||||||||||||||
| This discount applies when the insured maintains specified protection devices. Does your home contain at least a 2 1/2 pound fire extinguisher? Is it up to date? Do your doors have dead bolt locks? Is it equipped with smoke detectors? If you have all three? If so you could qualify for an additional discount. | |||||||||||||||
| Renovated Home Discount - 4% to 47% | |||||||||||||||
| Homes which have been renovated are also acceptable for this discount provided the specified work has been completed by a qualified (licensed where required) contractor and the appropriate documentation submitted. Although this discount is huge, the amount of remodeling required to qualify for this discount is quite extensive. If you're not sure of how to find a reputable home remodeling contractor, you can find thousands of unbiased ratings on services for home improvements, car repairs, and more at Angie’s List. | |||||||||||||||
| Roof Covering (Hail Resistive) Credit - 4% to 25% | |||||||||||||||
| A Certificate of Installation signed by the roof covering installer, must be given to us. To qualify for this discount, the roof must be less than two years old, regardless of the roof surfacing material. Print a copy of the ROOFING INSTALLATION INFORMATION AND CERTIFICATION for your roofing contractor's signature. | |||||||||||||||
| Roof Surfacing Discount/Surcharge - 5% to Plus 20% | |||||||||||||||
| A discount is available if the roof meets minimum, specified requirements. | |||||||||||||||
| *restrictions apply. | |||||||||||||||
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| Is your credit score affecting your insurance rate? Check your credit and repair errors. | |||||||||||||||
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| Looking for a home construction or home remodeling contractor? Give national contractors.com a look online. | |||||||||||||||
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| Angie's List is fast becoming a popular website, when you need to know or tell about businesses' reputations. | |||||||||||||||
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Are you in need of a home equity loan for your home remodeling project? |
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Regan Latta, L.U.T.C.F. |
| "Because Homeowners Policies can be very expensive, it is imperative you get every discount you can qualify for." |
| Phone: 281-444-2226 |
| Fax: 281-444-6281 |
| e-mail: rlatta@lattainsurance.com |