Homeowners across the USA face rising home insurance premiums due to inflation, increasing property values, and frequent natural disasters. Finding the right home insurance provider that offers long-term discounts can significantly reduce your costs over time.
Long-term discounts reward loyal customers for staying with the same insurer for multiple years. These discounts often increase over time, making them an excellent way to save money while maintaining reliable protection for your property.
In this comprehensive guide, we review the 12 best home insurance providers with long-term discounts in the USA. You’ll learn which companies offer the best discounts, what their policies include, and how to maximize your savings.
Why Long-Term Discounts Are Valuable for USA Homeowners
Home insurance premiums in the USA have risen steadily in recent years, especially in states affected by hurricanes, wildfires, and floods. Average annual premiums now range between $1,400–$2,200 for a standard home depending on the location.
Long-term discounts help reduce these costs by offering:
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Significant cost savings: Discounts of up to 20% after 5+ years with the same provider.
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Predictable premiums: Staying loyal often helps you avoid large year-over-year increases.
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Bundled discounts: Many insurers allow loyalty discounts to combine with auto, life, or umbrella policy bundles.
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Enhanced service: Loyal customers often receive priority in claims and renewal options.
What to Look for in USA Home Insurance with Long-Term Discounts
Before you choose a provider, consider these key factors:
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Discount percentage and growth: Some companies start with 5% and increase to 20% after 5–7 years.
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State-specific coverage: Ensure the policy covers common risks in your state (e.g., hurricanes, earthquakes, floods).
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Financial stability: Work with companies rated highly for financial strength (A.M. Best ratings A or higher).
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Claims process: Look for insurers with a strong reputation for fast and fair claims handling.
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Additional savings: Ask about other discounts like claim-free rewards, multi-policy bundles, and home safety features.
Summary Table: 12 Best Home Insurance Providers with Long-Term Discounts in the USA
| Insurance Provider | Avg. Annual Premium (USA) | Long-Term Discount Details | Key Features |
|---|---|---|---|
| State Farm | $1,400–$2,300 | Up to 20% after 5+ years | Strong agent network, great for multi-policy bundles |
| Allstate | $1,450–$2,400 | 15–20% after 5 years | Claim-free bonuses and accident forgiveness |
| Liberty Mutual | $1,400–$2,200 | Up to 20% after 5+ years | Customizable policies and smart home discounts |
| USAA (military families) | $1,200–$2,000 | Loyalty discounts for long-term members | Exclusive for military members and their families |
| Farmers Insurance | $1,450–$2,300 | Gradual 5–20% loyalty savings | Wide variety of home upgrade discounts |
| Nationwide | $1,400–$2,200 | Up to 15% after multiple renewals | Highly rated for customer service and financial strength |
| Amica Mutual | $1,350–$2,100 | Up to 20% loyalty discounts | Dividend policies and exceptional customer satisfaction |
| Travelers | $1,400–$2,300 | Gradual discounts up to 15–20% | Strong catastrophe coverage in disaster-prone states |
| Progressive | $1,450–$2,300 | Loyalty discounts with bundled auto/home | Affordable rates and online policy management |
| Chubb Insurance | $1,600–$2,500+ | Long-term premium credits for loyal clients | Ideal for high-value homes and luxury properties |
| Erie Insurance | $1,350–$2,100 | Up to 20% loyalty rewards | Consistent rates and comprehensive coverage |
| American Family Insurance | $1,350–$2,100 | Gradual long-term discounts up to 15% | Discounts for home safety devices and new homes |
Premiums are national averages and vary by state, property value, and coverage options.
Detailed Reviews: 12 Best Home Insurance Providers with Long-Term Discounts in the USA
1. State Farm
State Farm is the largest home insurer in the USA, known for its extensive agent network and strong loyalty rewards.
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Long-term discounts: Up to 20% after 5 years.
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Why it’s ideal: Offers bundled savings with auto and life insurance for maximum discounts.
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Premiums: $1,400–$2,300 annually.
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Best for: Homeowners who prefer personalized service through local agents.
2. Allstate
Allstate combines loyalty discounts with claim-free rewards for big savings.
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Discounts: 15–20% after 5 years of continuous coverage.
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Additional perks: Claim-free bonuses and accident forgiveness reduce future premiums.
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Premiums: $1,450–$2,400 annually.
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Best for: Homeowners seeking a balance of strong coverage and discounts.
3. Liberty Mutual
Liberty Mutual offers long-term savings along with discounts for smart home devices.
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Discounts: Up to 20% loyalty rewards after 5+ years.
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Key features: Customizable policies with optional endorsements for water backup, valuables, and identity theft.
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Premiums: $1,400–$2,200 annually.
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Best for: Tech-savvy homeowners who want discounts for safety upgrades.
4. USAA (Military Families)
USAA is exclusive to military members and their families but offers exceptional value.
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Discounts: Loyalty discounts and special member benefits.
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Premiums: $1,200–$2,000 annually.
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Key benefits: Comprehensive coverage for active-duty members and veterans.
5. Farmers Insurance
Farmers offers gradual long-term discounts and strong customer support.
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Discounts: 5–20% loyalty rewards over time.
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Premiums: $1,450–$2,300 annually.
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Best for: Homeowners who want flexibility and many add-on options.
6. Nationwide
Nationwide rewards loyal customers and has highly rated customer service.
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Discounts: Up to 15% after multiple renewals.
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Premiums: $1,400–$2,200 annually.
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Best for: Homeowners who want stable, predictable premiums.
7. Amica Mutual
Amica Mutual is known for its customer satisfaction and dividend policies.
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Discounts: Up to 20% loyalty savings.
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Premiums: $1,350–$2,100 annually.
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Why it’s unique: Eligible customers may receive annual dividend payments.
8. Travelers
Travelers is a strong option for disaster-prone states, offering robust catastrophe coverage.
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Discounts: Gradual loyalty discounts up to 15–20%.
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Premiums: $1,400–$2,300 annually.
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Best for: Homeowners in hurricane- or wildfire-prone states.
9. Progressive
Progressive combines loyalty discounts with bundled auto and home insurance savings.
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Discounts: Long-term savings available with bundled policies.
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Premiums: $1,450–$2,300 annually.
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Best for: Customers who want affordable coverage and strong online tools.
10. Chubb Insurance
Chubb is ideal for high-value homes, offering premium loyalty credits and elite service.
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Discounts: Premium credits for long-term clients.
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Premiums: $1,600–$2,500+ annually.
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Why it’s unique: Customizable policies for luxury properties.
11. Erie Insurance
Erie Insurance offers loyalty rewards and stable premiums over time.
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Discounts: Up to 20% loyalty rewards.
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Premiums: $1,350–$2,100 annually.
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Best for: Homeowners seeking predictable rates and comprehensive coverage.
12. American Family Insurance
American Family Insurance offers strong discounts for loyal customers and home safety features.
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Discounts: Gradual long-term discounts up to 15%.
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Premiums: $1,350–$2,100 annually.
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Best for: Homeowners who value affordable premiums and safety device discounts.
Tips for USA Homeowners to Maximize Long-Term Discounts
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Avoid frequent switching: Staying with one insurer builds loyalty savings over time.
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Bundle your policies: Combine home and auto policies for extra discounts.
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Maintain a claims-free record: Avoid filing small claims to protect your discounts.
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Upgrade home security: Install monitored alarms, smoke detectors, and water sensors.
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Review your policy regularly: Adjust coverage to avoid paying for unnecessary extras.
FAQs: Home Insurance with Long-Term Discounts in the USA
1. How much can I save with long-term discounts?
You can save up to 20% off your annual premiums after 5–7 years with the same insurer.
2. Do loyalty discounts stack with other savings?
Yes. You can often combine long-term discounts with auto-home bundles, safety device discounts, and claim-free bonuses.
3. Are premiums the same in every state?
No. States with higher risks (like Florida, California, or Texas) have higher average premiums.
4. Which insurer has the best long-term discount program?
State Farm, Allstate, Liberty Mutual, and Amica Mutual often offer the highest discounts.
5. Does switching providers reset my discounts?
Yes. Switching usually resets your loyalty savings, so compare total savings before changing companies.
6. Can I get loyalty discounts for condo or renter’s insurance?
Yes. Most providers extend loyalty discounts to other property policies.
7. What happens if I file a claim?
Some insurers reduce or remove your loyalty discounts after a claim. Always check policy terms.
8. Is it worth staying with one insurer for loyalty discounts?
In most cases, yes. However, compare renewal quotes regularly to ensure your total premium is competitive.
9. Which providers are best for high-value homes?
Chubb and Amica Mutual specialize in luxury property coverage with premium discounts.
10. Can I qualify for loyalty discounts in my first year?
No. Most programs start after 2–3 years and increase over time.
Conclusion
The 12 best home insurance providers with long-term discounts in the USA offer savings up to 20% for loyal customers. Companies like State Farm, Allstate, Liberty Mutual, and Amica Mutual provide strong loyalty programs, excellent customer service, and customizable policies to fit your needs.
To maximize your savings, stay with your insurer for multiple years, bundle your policies, maintain a claims-free record, and install home safety upgrades. Compare at least three quotes from the providers listed above to find the best combination of discounts, coverage, and service.