Picking up where we left off, you've already seen the claims-free loyalty credit, the umbrella-bundling stack, and the protective device credits. Here are the remaining four, roughly in order of how often homeowners overlook them.

4. Paying in full, not monthly

Switching from monthly installments to a single annual payment often unlocks a distinct "paid-in-full" discount, separate from any autopay credit. Insurers price in the administrative cost and default risk of monthly billing, and pass the savings back when you remove both.

5. New roof, updated wiring, or re-piping credits

If your home has had a roof replacement, electrical panel upgrade, or re-piping in the last 10–15 years, many insurers will re-rate the policy at a lower risk tier, but only if you tell them. This is one of the largest discounts on this list and is almost never applied automatically, because insurers have no way of knowing about the renovation unless you report it.

6. Retiree and remote-worker occupancy credits

Some insurers offer a modest discount if the home is occupied during standard working hours, the logic being that an occupied home is statistically less likely to suffer an undetected burst pipe or break-in. If you work from home or are retired, it's worth asking whether your insurer offers an occupancy-based credit.

7. The affiliation discount: worth up to 15%

This is the one most homeowners have genuinely never heard of. Many insurers maintain group-rate agreements with employers, alumni associations, professional organizations, and even certain credit unions. These affiliation discounts can be worth up to 15% on their own and are almost entirely opt-in: the insurer will not proactively check whether you belong to a qualifying group.

The fastest way to check: call your insurer, name the group you belong to (employer, alma mater, union, credit union), and ask directly whether it qualifies for an affiliate rate.

Putting it together

None of these discounts require switching insurers or filing anything complicated. Most are a five-minute phone call. But because they're opt-in rather than automatic, the burden sits with the homeowner to ask. Before your next renewal, it's worth reviewing this list against your own policy and calling your provider with the specific discount names above.

Mavengity will continue tracking discount program changes as insurers update their filings. Bookmark this page and check back before your next renewal cycle.