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Homeowners Discounts and Credits

Discounts and Credits for Your Homeowners Policy

Central offers a number of discounts and credits for eligible policyholders* to help you save money on your insurance.

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Package Credit
A credit is available if both your automobile and homeowners coverages are written with Central.

E-credit
Enroll in both our E-billing and E-policy options and receive a $5 credit per policy annually.

Customer Loyalty Credit
Earn a premium credit of 2 percent once you've been insured with Central for at least two consecutive years. The credit gradually increases one percent a year until it reaches the maximum of 10 percent after ten consecutive years of longevity with Central. The 10 percent maximum credit continues on subsequent renewals and stays on your policy as long as you remain with the Central Companies.

Insurance Score
Discounts are available to policyholders who have excellent insurance scores. Click here for more information

Payment Timeliness
Receive a credit on your renewal policies if you've had no cancellation notices for non-payment.

Higher Deductibles
Receive a credit for selecting a higher deductible on your policy.

Elite Policy
Receive a discount on your homeowners policy if you carry higher Coverage A limits, a higher deductible, have a newer home, a good credit score, and are loss free.

Gated Community Credit
A credit will be applied to the homeowners policy for a residence located in a gated community.

Home Buyer Credit
A credit is available to policyholders who have purchased or built a brand new home during the twelve months prior to the effective date of the policy. The credit will vary based on the age of the dwelling when first insured by Central.

Loss Free Credit
Policyholders who have been loss free the last three years will receive a credit. The credit increases for policyholders who are loss free and have been with Central for 3 or more years.

Boat or Scheduled Personal Property Credit
Include your boat and/or scheduled personal property on your homeowners policy and you’ll be eligible for an additional premium credit.

Safety Features
A credit is available for approved and properly maintained installations of safety features. Examples include:

Additional safety features not listed above may qualify for a discount. Consult your agent for a complete list.

For additional videos, please visit our Video Library

Water Backup Loss Prevention Discounts
A credit is available for policyholders who have Water Backup coverage and have also installed items such as generators, water pressure backup sump pumps, or water/leak sensor systems. The credit applies to the Water Backup premium and will vary based on the type of mitigation device installed.

*Discounts and credits are not available in all states. Please check with your Central agent to verify eligibility.

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