Press Release: New Research Reveals Top Five Home Insurance Discounts That Save the Most

May 29, 2019 (Foster City, CA), the leading online resource for auto, home, health and life insurance expertise, today reveals research showing the top five home insurance discounts that garner the most potential savings.

The analysis shows that a new construction discount nets the most savings among the home insurance discounts surveyed, with an average rate decrease of 36 percent. That’s followed by buying your home coverage from your auto insurance company, called bundling, and having fire resistive house construction materials.

Find out the average percentage decrease to your home insurance rate for common discounts

Based on's analysis of rates, here's how much the top five discounts will decrease your home insurance rates, on average:

Home insurance discountAvg. % decrease
New construction36%
Home and auto bundle19%
Fire resistive construction12%
Superior construction (built with noncombustible materials)11%
Masonry construction6%
Loyalty 10 years6%

In addition to getting all the discounts for which you qualify when insuring your home, Michelle Megna, editorial director of, offers these tips for ensuring you are getting the best coverage at the most affordable price:

Don’t skimp on liability insurance – Liability limits go from $100,000 up to $500,000, with $300,000 the recommended amount to ensure sufficient coverage. Buying more liability protection is generally affordable. For example, based on rate data, a policy with $100,000 in liability coverage and $200,000 in dwelling coverage, with a $1,000 deductible, costs an average of $1,228. The same policy with $300,000 of liability protection costs just $16 more.

Consider raising your deductible – Hiking your deductible can save you money without sacrificing coverage. You just need to be sure you can afford to pay the out-of-pocket expense of the deductible should you need to file a claim.

Compare rates from at least three insurers at least upon policy renewal – Comparing rates from multiple insurers is one of the best ways to save on your home insurance because no two carriers will charge the same for a policy.

“Insurance companies assess risk differently, so the price for a policy can differ by hundreds or even thousands of dollars,” said Megna.

“’s home rate research shows you can save about $500 to $2,500, on average, by comparing rates, depending on the coverage level you get. That’s why you don’t want to ‘set-it-and-forget-it’ when it comes to home insurance.”

See the full article and methodology here:

About is a trusted online resource dedicated to educating consumers on auto, home, health and life insurance, developing relationships directly with carriers to offer consumers comparison rates from multiple companies. Since 2001,’s industry-first online tools, data-based reporting and experienced experts have helped consumers make informed insurance-related decisions, so they can choose the right insurance for their individual needs. is owned and operated by QuinStreet, Inc. (Nasdaq: QNST), a pioneer in delivering online marketplace solutions to match searchers with brands in digital media.  QuinStreet is committed to providing consumers and businesses with the information and tools they need to research, find and select the products and brands that meet their needs. is a member of the company’s expert research and publishing division.

Press contact:

Michelle Megna


Liberty Communications for QuinStreet

Rick Judge, 415-429-5652