Discounts and Benefits
We reward our customers with a great selection of discounts and benefits.
Home and Auto Benefits
Identity Theft Protection
We want to help you if you become a victim of fraud. Our home insurance and condo insurance policies all include identity theft protection as a standard benefit. So, if your identity is stolen, your policy will cover up to $5,000 in costs related to recovering from identity theft.
Stolen Credit Card Use or Check Fraud Protection
Whether your credit card was lost, stolen or hacked, we have you covered. Homeowners and condo insurance policies from CONNECT include coverage for losses due to unauthorized credit card use. And, even better, you won't have to pay your deductible on the claim. That's a home insurance benefit worth talking about (1).
Food Spoilage Protection
The causes for power outages are many, but the resulting food spoilage is often the same. If you experience a power outage and the food in your refrigerator spoils, your CONNECT policy protects you. We'll cover the replacement of food, up to $500 in value, when it spoils due to power failure. Plus, no deductible applies (2).
Lock Replacement Expense Protection
Your safety matters. That's why we cover the cost of lock replacement if your home has been broken into or you've been victim of theft. Our homeowners insurance and condo insurance policies include lock replacement coverage, up to $100. Reclaim your sense of security with this benefit from CONNECT (3).
Good Driver Discount (California only)
Safe driving habits make roads safer for us all. Driving safely is also one of the easiest ways to lower your insurance premiums. For our policyholders in California, this is called a Good Driver discount.
Premier Safety Discount
What do we do for our safest drivers? We reward them, of course.
The Premier Safety discount is reserved only for those policies where all insured drivers have spotless records. Drivers in these households have not had any traffic violations, accidents or claims for the past four years.
It's not easy to maintain a squeaky-clean record. That's why we think it's worth celebrating.
Defensive Driver Discount
Have you ever thought about taking a "refresher" driving course? If so, we have an extra incentive for you.
Take a "refresher" course approved by your state’s Department of Motor Vehicles (DMV) or an accredited organization, and we will reward your initiative with a discount. (This discount does not apply if you took the course while learning to drive, and drivers’ education classes cannot be used to secure this discount either.)
To earn the discount, complete the course and present us with a copy of your certificate of completion.
Vehicle Safety Features
Did you know that the safety features in your car can make your car insurance more affordable? In fact, these car insurance discounts are among the easiest to earn. If your car includes the following safety features, we may be able to provide you with additional discounts on your auto insurance:
- Anti-lock brakes
- Air bags
- Automatic seatbelts
- Anti-theft devices
If you park your vehicle overnight in a garage, we may be able to offer you a discount for the added protection this provides. Availability is limited. Ask your client service representative whether this discount exists in your area.
Good Student Discount
Because young drivers often lack driving experience, they face greater odds of being in an accident. That means young drivers — or their families — often pay higher rates. But, good grades matter. They demonstrate hard work, responsibility and commitment. To show our appreciation for academic achievement, we offer car insurance discounts for full-time students who can prove they meet certain qualifications.
Student Away Discount
If your student is going away to school more than 100 miles from your home, you may be eligible for the Student Away discount. This discount allows you to keep your student driver on your policy so they’re covered when driving on weekends or during a break at home. But, when they’re away, you won’t pay the full cost of a driver who won’t be driving your vehicle every day. (Please note: This discount does not apply if the student has a vehicle at school.)
We also like to acknowledge the hard work of students who stay in school. If you are a student — or have a student in your family — who completes at least four years of post-high-school education, you may be eligible for the Education discount. Consider it your reward for the late nights spent studying, early classes and your desire to learn something new.
We like to thank customers who do more business with us. If you insure more than one car with us, you may be entitled to a discount. Called Multi-car Rating or Multi-car Discount, it works like this: if you insure a number of cars, trucks or vans with us, we will offer you a lower rate. Pretty simple!
You have choices when choosing an insurance company to provide your home, auto, umbrella and specialty insurance. That’s why we’re so grateful when you bundle your insurance policies and have more than one insurance policy with us. In return, we want to share the love. Here are a few examples of how bundling helps you save:
- Auto/Home - We can offer you a discount on your automobile policy when you purchase your homeowners or condo insurance policy with us, too.
- Auto/Umbrella - If you purchase an umbrella insurance policy with us, we can offer you a discount on your car insurance. An umbrella policy provides you with additional coverage beyond the limits of your auto, home/condo or renters insurance policy. Sometimes called excess insurance, it provides a little added protection and a lot more peace of mind.
- Auto/Home/Umbrella - Earn an even bigger discount on your car insurance when you buy both a homeowner or condo policy and an umbrella policy from CONNECT. Not only will you have the convenience of having all of your policies with one insurance company, you’ll be rewarded for your loyalty.
Consider these discounts our way of doing more for those who do their insurance business with us.
When you reach certain time-related milestones with us, we will charge you a lower rate than we would for a new customer looking for similar insurance.
Additional home discounts
Age of Home Discount
Nothing beats that new home feeling. If you build a new home, buy a new home or even fall in love with a newly constructed condo, you can keep reliving that new home feeling with our Age of Home discount.
How does it work? Simply put: The newer your home, the greater the discount.
Claims Free Discount
You take care of your house — and we love that! So, in some states, we may be able to offer a discount on your home policy if you haven't filed a claim in the last five years.
Protective Devices Discount
We know that safety is its own reward; but, we can still celebrate the steps you take to make your home or condo even more secure with our Protective Devices discount.
You may qualify for a discount if you have:
- Smoke alarms
- Deadbolt locks
- Security alarms
- Monitored fire and/or security system
- Sprinkler system
- Fire extinguishers
When you take steps to make your home safer and more secure, the Protective Devices discount is our little way of saying thanks.
As its name suggests, the Tenure discount rewards you for staying with us. We might be able to mark your policy anniversary with a discount on either your home or condo insurance policy.
Wondering when you can celebrate your anniversary with us? The state you live in determines exactly if and when you qualify for the discount. Ask your client service representative to see if you might save.
Bundle up! You may receive additional discounts if you bundle your home insurance with other policies or CONNECT products.
When you hold two or three insurance policies with us, you may qualify for our Multi-Product discount.
Here's how it works:
If you already have a home insurance policy with us and you add an auto insurance policy or umbrella insurance policy, we'll give you an additional discount on your home insurance.
Savings never sounded so simple!
We may offer discounts in your state for:
- Roof Replacement - We provide a discount if you have completely replaced your roof (not a new layer on top of old shingles) within the last nine years.
- Heating and Cooling Renovation - We provide a discount if both heating and cooling systems have been removed and replaced in the last nine years.
- Electrical Renovation - We provide a discount if the entire electrical system has been removed and replaced within the last nine years.
- Plumbing Renovation - We provide a discount if the entire plumbing system has been removed and replaced within the last seven years.
In order to qualify for any of these discounts, the work must have been completed by a licensed contractor and meet local codes. For electrical and plumbing renovations, we must also receive valid proof of repairs.