Your life outside the school's walls is hectic, and you work hard for your paychecks. So you might not have time to find all the ways you could save a lot of money on your insurance premiums. But luckily, there are many different home insurance discounts for teachers, and they're typically easy to get.
An independent insurance agent can help you apply all the educator home insurance discounts for which you qualify. They’ll help you get set up with all the coverage you need at the best possible rate, too. But for starters, here's a deep dive into home insurance discounts for teachers and how to get them.
Do Teachers Get Discounts on Homeowners Insurance?
There are many kinds of homeowners insurance discounts, and some are specially designed for specific groups or occupations. If you’re a teacher, many insurance companies offer special discounts on your home insurance just because you're in that career field. Sometimes these discounts are given through your union, and at other times they may be through your school district.
You can find out from your union representative or human resources department if you can only get insurance discounts from certain insurance companies. Otherwise, an independent insurance agent can help you find discounts on home insurance for educators, as well as any other savings opportunities for which you might qualify.
How to Get a Teacher Discount on Home Insurance
Teacher discounts belong to the group or affinity discount category, which is a type of discount given to those in certain professions or associations. They're also one of the simplest insurance discounts to get. Here’s how:
- Ask around your workplace: You’ll have the best luck starting with your boss, union rep, or HR department. Ask if there’s a discount program with a particular insurance company to start with.
- Talk to an independent insurance agent: If you know you’ll get a discount with a certain company, say that upfront. If you’re unsure or know there’s no special discount offered, ask your agent to look for you.
- Compare wisely: Your independent insurance agent can provide you with a few quotes to choose from. They'll also help you make an informed decision about which plan would work best for your needs.
While you may be able to figure out if you qualify for home insurance discounts right in your workplace, sometimes you'll need to do more research. Enlisting the help of an independent insurance agent eliminates this step for you. They'll be able to tell you right away which home insurance companies offer teacher discounts and the coverage you need.
How Much Will a Teacher Home Insurance Discount Save Me?
The amount your discount saves you on your premiums depends on several factors. The biggest factor is the insurance company through which you get your coverage.
While some insurance companies may offer teacher home insurance discounts for a rate of 10%, others may offer higher or lower savings. An independent insurance agent can help you find the biggest teacher home insurance discounts possible.
Which Companies Offer Home Insurance Discounts for Teachers?
You'll find that many insurance companies offer a wide range of affinity or group discounts, but many don't publicize every eligible group. Some insurance companies have established relationships with teachers' unions or school districts where educators can apply for home or auto insurance directly through a partnership with the carrier and the organization.
For example, the National Education Association (NEA) offers an auto and home insurance discount program for members through Travelers Insurance. Travelers is a highly-regarded nationwide carrier that offers quality, affordable, and flexible coverage.
Other unions and school districts across the country may also provide the same type of partnership. But the best way to find out if a home insurance company in your area has a teacher discount is to work with an independent insurance agent who understands the carriers in your state and can quickly find you the discounts for which you're eligible.
What Other Home Insurance Discounts Might I Qualify For?
You might be able to stack other home insurance discounts in addition to getting one for being a teacher. Many kinds of home insurance discounts are available, and the options depend on your carrier.
Here are a few other common home insurance discounts you might also be able to score:
- Bundling discounts: If you have more than one type of insurance policy through the same carrier, such as home insurance and auto insurance, you'll likely qualify for a bundling discount.
- Security discounts: If your home has a security system installed, your insurer will likely offer you a security discount.
- Sprinkler discounts: If your home is equipped with fire sprinklers or other fire protection systems, you'll probably be able to get a discount on home insurance.
- Low claims history discounts: If you haven't filed many or any claims through your home insurance for a specified number of years, you'll also likely be rewarded with an additional discount.
There's typically no limit on how many home insurance discounts you can add to your policy as long as you qualify. An independent insurance agent can help you determine which home insurance discounts apply to you.
How Can an Independent Insurance Agent Help You Find the Best Home Insurance?
We all know how valuable your time is, so why do all the hard work yourself? Independent insurance agents stay on top of industry trends, including the latest and most popular discounts, so you don’t have to. That means they’ll help find the right coverage for you at the right price.
And they’re not just there for you when you purchase your policy. If you need to file a claim, they’ll be with you every step of the way, helping you meet deadlines and maximize your reimbursement.
