There’s a good chance you qualify for discounts, whether it’s through bundling auto and home insurance, being a long-time customer to a carrier, having a history of no claims, choosing a higher deductible or paying in one lump sum. You could potentially qualify for additional discounts if you’re: A member of the military A first-time homeowner Married or widowed Living in a Homeowners Association (HOA) Homeowners insurance policies also consider what you’ve already invested into your home, including home improvements, where you live, your health status and how you secure and monitor your home.