Insurers offer more discounts than most people realize, and they are not always applied automatically. A quick question like whether there are any discounts you are missing often gets a quick answer. A request for a full discount review, going through each one, tends to get better results.

Ask about discounts for smoke and carbon monoxide detectors, deadbolts, a monitored security or fire alarm, being claims-free, paying the full premium at once, enrolling in autopay or paperless billing, being a newer customer or a long-time customer, and belonging to certain professional or alumni groups. Some insurers also reward homeowners who are retired or who work from home, since someone is around more often.

Have your home details ready before you call, along with anything that documents safety features or recent work. Discounts and eligibility vary by company and by state, so you may hear different answers from different insurers. Write down what each one offers. Even a handful of small discounts can add up, and none of them require giving up any coverage.