Discounts can help you save money on your insurance. Companies may offer premium discounts if you take steps to reduce the chances of a loss. Each company sets the amount of the discounts it offers to its policyholders. Some of the more common discounts are listed below:

• Impact-resistant or noncombustible roofs
• Burglar, fire, and smoke alarm systems
• Automatic sprinkler systems
• Fire extinguishers
• Home security devices
• Age of house, companies set own standards
• Premises in good condition, companies set own standards
• House insured to full replacement cost
• Good claims experience for three consecutive years
• Marking personal property with an identifying number, inspection required
• Other policies with same company or group
• Senior citizens discount