How Does No Claims Discount Work On Home Insurance? 
Some home insurance companies do offer a no claims discount and some do not . All insurance companies use different criteria in underwriting including credit , safety item -LRB- smoke detectors , fire extgr. , alarms , etc. -RRB- , loss history -LRB- or no losses -RRB- and package credit -LRB- with your car -RRB- . So it depends on the insurance company . 