Home Insurance Discounts

Multi-Policy Discount

You could qualify for this home insurance discount if you have a home policy and one of these policies or accounts with us:

• Auto insurance
• Life insurance
• Disability income insurance
• A COUNTRY Trust Bank account or Annuity product with a balance over $1,000
• Commercial insurance

Save money on home insurance with our Multi-Policy Discount and get more protection for your financial future. Check out the types of insurance and annuity options and talk with your insurance agent to determine what’s right for you.  

Welcome Discount

If you purchase a new Homeowners insurance policy, you will receive the Welcome Discount. 

Loyalty Discount

The Loyalty Discount will apply to Homeowners insurance policies that have been in place for three years or more. This home insurance discount starts automatically after the Welcome Discount expires. 

Good Payer Discount

If you pay your bills on time, you could qualify for our Good Payer Discount on your Home insurance policy as long as you meet the eligility criteria.   

Claim Free Discount

If you don’t have any home insurance claims for five years in a row, you'll qualify for this discount on your Homeowners insurance policy.

Preferred Payment Discount

If you pay your home insurance premium bill on an annual basis, you’ll qualify for the Preferred Payment Discount.

Protective Devices Discount

The Protective Devices Discount is available on your Homeowners insurance policy if you have a burglar alarm or a fire alarm in your home that reports to a central station, or if you have a fully automatic sprinkler system installed in your home.

Smart Home Discount

Have you equipped your home with the latest technology like smart thermostats, theft systems, water leak detectors or smart fire/smoke detectors? If so and they’re connected by broadband, wireless or cellular technology to alert you when something goes wrong, you could qualify for our Smart Home Discount on your Homeowners insurance policy. Talk to your insurance agent about all your systems.

Back-up System Discount  

If you have added our Sump Pump Failure/Back-up of Sewer or Drain Coverage Endorsement on your Home insurance policy and have one or more back-up systems in place, including a water pressure or battery back-up on your sump pump or a permanently installed generator in your home, you may qualify for our Back-up System Discount.

Age of Home Discount

Newer homes automatically qualify for Age of Home Discount, but the discount is also available if you have an older home that has been fully renovated (including updating or replacing the wiring, plumbing, roof, etc.). Age of Home Discount is available on qualifying Homeowners insurance policies. Talk to your insurance agent for details for your state.

NOTE: This discount is not available Minnesota. 

Age of Wiring Discount

If you are a resident of Minnesota, and have new or upgraded electrical wiring, you could qualify for this home insurance discount on your Homeowners insurance policy. Older homes with upgraded wiring require documentation from an electrical contractor or building inspector that shows all electrical components are updated.

Hail-Resistive Roof Discount

If your home’s roof meets certain testing standards, you could save money on your Homeowners insurance policy with this discount. You’ll need to provide documentation showing:

• Manufacturer’s name
• Date the shingles were manufactured and installed 
• Brand name of the shingles through a manufacturer’s warranty, bill of sale, or package label

Safe Heat Discount

You can save with this discount on your Homeowners insurance policy if your home doesn’t have a solid fuel burning unit (like a wood burning stove).