When looking for ways to save on home insurance, many homeowners stop at a smoke detector, a security system and a multiline discount for insuring your home and vehicle with the same company.
But property and casualty companies have a variety of other lesser-known credits available that can shave your homeowners insurance premium by up to 25 percent.
"Mitigating loss is a big part of who we are and what we do," says Sean Meehan, second vice president of property strategy and design for Travelers Insurance of Hartford, Conn. "Yes, we pay claims. But at the same time, we want to help prevent claims, which lowers premiums in the long term."
Madelyn Flannagan, vice president of agent development, education and research for the Independent Insurance Agents & Brokers of America, or the "Big I," agrees: "Insurers give a discount to encourage people to be more careful and to better understand the homes they're insuring."
Here are 10 "hidden" home credits that may be available through your agent to cut down the cost of home insurance. Discount estimates are courtesy of the Big I.