Many homeowners are eligible for home insurance discounts (often called “credits”) based on features, devices, and proactive maintenance in their home. These credits reward steps that reduce the likelihood or severity of damage—and can meaningfully lower your annual premium.
Below are some of the most common credits carriers look for and why they matter.
Security & Monitoring Credits
Examples include:
Monitored burglar alarms
Fire or smoke alarms connected to a central station
Professional monitoring services
Why they matter:
Monitored systems reduce the risk of theft, fire damage, and total loss by enabling faster response when something goes wrong.
Water Damage Prevention Credits
Examples include:
Water leak detection sensors
Automatic water shutoff valves
Smart plumbing monitoring systems
Why they matter:
Water damage is one of the most frequent and expensive homeowner claims. Early detection and automatic shutoff can significantly reduce losses.
Fire Safety Credits
Examples include:
Smoke detectors and fire extinguishers
Residential sprinkler systems
Fire-resistant materials or assemblies
Why they matter:
Fire prevention and early suppression lower claim severity and improve overall home safety.
Electrical, Plumbing, and HVAC Update Credits
Examples include:
Updated electrical panels or wiring
New or upgraded plumbing systems
Modern heating and cooling equipment
Why they matter:
Newer systems are less likely to fail or cause secondary damage, making them lower risk from an insurance perspective.
Professional HVAC Maintenance Credits
Examples include:
Annual or biannual HVAC maintenance contracts
Documented professional servicing and inspections
Ongoing system care agreements
Why they matter:
Regular professional maintenance reduces the risk of system failure, overheating, freeze-related damage, and water leaks from HVAC components. Some carriers recognize documented maintenance as a loss-mitigation factor—especially when paired with newer equipment.
Roof & Structural Credits
Examples include:
Recently replaced roofs
Impact-resistant or fire-rated roofing materials
Wind or hail mitigation features
Why they matter:
Stronger, newer roofs reduce storm-related losses and are a major focus for insurers.
Smart Home & Loss Mitigation Credits
Examples include:
Smart smoke and CO detectors
Freeze sensors
Environmental monitoring devices
Why they matter:
Connected devices allow for earlier intervention and faster response, reducing damage severity.
Why Credits Aren’t Always Automatic
Even if you have qualifying features or maintenance in place, credits may not be applied unless:
Your carrier is aware of them
Documentation is provided
The feature meets carrier-specific requirements
That’s why proactively requesting a review matters.
How Rafter Helps
Rafter helps homeowners:
Identify which credits may apply
Request a broker review
Gather documentation (including service contracts and invoices)
Explore additional ways to reduce premiums
Credits vary by carrier and policy, but understanding what’s commonly recognized is the first step toward unlocking potential savings.