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Home insurance · Discount stacking

Stack the upgrades that lower your premium

See how much you'd save when home-insurance discounts stack, with the compounding math made visible. Built by Benefitra, a licensed brokerage operating in all 50 states.

We're a licensed brokerage. We don't sell you the upgrades and we don't take referral fees from contractors. Our job is to tell you which improvements actually move the needle on your premium and which are mostly marketing. The numbers below are published industry midpoints from carrier rate filings, not sales projections.

Step 1 — Your policy

Policy basics

Your current annual premium is the baseline we discount against. Home age and ZIP help us flag which upgrades carry the most weight in your area.

Coastal property?Within roughly 50 miles of a hurricane-exposed coastline. Carriers price these policies with higher base premiums and offer larger discounts on wind-mitigation upgrades (Fortified Roof, hurricane straps, impact windows) because those features pay for themselves in claim avoidance. Boosts the discount weight on Fortified Roof, hurricane straps, and impact windows.
Step 2 — Planned upgrades

Upgrades you have or plan to install

Check each upgrade you've completed or intend to complete. The discount shown next to each one is the published industry midpoint your carrier is likely to apply; coastal properties see boosted values on wind-related items.

Your estimate

Stacked discount outlook

Updates live as you change inputs above. These are heuristic estimates based on published industry midpoints, not specific to your carrier or state filing.

Effective combined discount
0%
None selected
Annual savings
$0
$0 cumulative over 10 years
Pick upgrades above to see the math fill in.
Per-upgrade breakdown
No upgrades selected yetEach upgrade you check will show its individual discount value here.
How the stack works. These discounts don't add, they compound. 25% + 15% does not equal 40%. They multiply against what's left of your premium: (1 - 0.25) × (1 - 0.15) = 0.6375, so the total effective discount is 36.25%, not 40%. The math below uses that compounding model, capped at a 45% effective ceiling because carriers typically don't combine discounts past 40-50%.

Recommended next step

Get a real policy review with a Benefitra agent. We'll identify which of these you already qualify for (carriers often miss applying them) plus tell you what your current carrier offers versus the rest of the market. The review is free and we don't take referral fees from contractors, so the recommendation is honest about which upgrades are worth doing for the premium savings alone.

Free policy review

See which discounts you're already missing

Most homeowners are entitled to one or two discounts their current carrier never applied, simply because the underwriter didn't ask the right question at policy bind. A 20-minute call with a licensed Benefitra agent surfaces what you're entitled to today plus the smartest upgrade to add next. No obligation, no pressure.

We'll never share your info. You'll hear from a licensed Benefitra advisor within 1 business day. Service availability varies by state.

How this estimate works. Discount percentages shown are industry midpoints based on published carrier rate filings and industry reports. Your actual discounts depend on your specific carrier, state insurance regulations, and policy form. Benefitra is a licensed insurance brokerage; this calculator provides estimates and does not constitute a binding quote. A real policy review identifies discounts you may already qualify for plus opportunities specific to your current carrier.