Homeowners Discounts
NYCM Insurance offers many homeowners insurance discounts, from having a home security system to completing renovations.
Genuine Care Discounts
Multipolicy Discount
The Multi-Policy Discount is applicable to Auto policies if NYCM Insurance also holds your homeowner and/or umbrella policy.
Retirement Discount
If everyone listed on your policy are at least 55 years old and one (or more) of them are not presently employed full time (defined as 20 or more work hours per week), this discount may be applicable.
Additional terms and conditions may apply.Claim Free Discount
Insured parties who have not submitted a claim in the past five consecutive years, regardless of your insurance carrier(s) during that time period, are eligible for a discount.
Work from Home Discount
Policyholders who work at least 20 hours per week from home may qualify for a discount on their premium.
*Discount cannot be applied if Retirement Discount is applicable.Home Buyer Discount
If you purchase a home within the 12 months prior to or on the original effective date of your policy, you may qualify for a discount.
*The policyholder does not have to be a first time home buyer to qualify.Home Maintenance / Safety
Renovation Discount
These discounts can be applied to homes that are at least 20 years old.
To qualify:
- A) The roof must have proof of purchase and installation.
- B) The primary heating source must have been replaced within the last 10 years and have proof of purchase and installation.
- C) The discount will apply for 20 years from the installation date.
Green Discount
If your home has been certified as “Green” by the US Green Building Council LEED (Leadership in Energy and Environmental Design) for homes rating system, or meets the requirements of the National Association of Home Builders Green Building Guidelines (NAHB), you may be eligible for a discount by providing proof of certification.
Gated Community Discount
If your residence is located within a gated community, you may qualify for a discount on your premium. A gated community is a subdivision or neighborhood, often surrounded by a barrier, to which entry is restricted to residents and their guests.
Protective Device Discount
Approved and properly maintained installations of burglar alarms, fire alarms, automatic sprinklers, water alert systems, temperature alert systems, portable or automatic generators, deadbolt locks, and fire extinguishers in the dwelling may qualify for a premium credit. Contact your agent for more details about this discount opportunity.
Additional Mobile Home Discounts
Approved Park Discount
There are various qualifications that your mobile home park must meet to allow for this discount including: having permanent utilities, streets paved wide enough for fire trucks, being located within 5 miles of the responding fire department, your home must be on a permanent foundation there, and more. Contact your agent for additional information about this discount.
Doublewide Discount
This discount applies for all manufactured doublewide homes.
New Mobile Home Discount
If your home is three years old or newer, you may be eligible to receive a discount on your policy.
Tie-Down Credit
If your mobile home has an approved method of Tie Down protection, you may qualify for a discount. Contact your agent to learn more about this credit opportunity.
Learn more about homeowner insurance
Homeowners insurance is designed to protect your home from the inside out; from damage caused by a fire or fallen tree, to your possessions being stolen by a burglar, to covering your living expenses should you be unable to use your home. Homeowners insurance prepares you for what you could not prepare for otherwise.
Learn More About Homeowner Insurance >
How do I apply discounts to my homeowner policy?
At NYCM Insurance, we encourage our policyholders to work with their agent to ensure that their policy meets their individual needs, and all applicable discounts are applied. If you are a new customer or are seeking a quote, find an agent in your area today!
Stay in the Know
Interested in learning more about our homeowner discounts? Check out the NYCM Insurance Blog for additional tips and insurance know-how: