Home Insurance Teacher Discounts
Find out the many ways teachers can save money on insurance.
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Paul Martin is the Director of Education and Development for Myron Steves, one of the largest, most respected insurance wholesalers in the southern U.S.
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 home insurance discounts you qualify for as a teacher. 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.
What Are Home Insurance Discounts for Teachers?
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. Either way, talking with your boss or HR department can help you figure this out, but so can a quick call to an independent insurance agent.
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How Do I Get Teacher Home Insurance Discounts?
Teacher discounts belong to the group discount category, which is a type of discount given to those in certain professions or associations. They're also about 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. However, 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?
How much your discount saves you on your premiums depends on several factors. The biggest factor is the insurance company you get your coverage through. 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.
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 offered, and the options available depend on your carrier. But here are a few 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, you'll likely be offered a security discount from your insurer.
- Sprinkler discounts: If your home is equipped with sprinklers, you'll probably be able to score a discount for this, too.
- 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 for them all. An independent insurance agent can help you determine which home insurance discounts apply to you.
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The Benefits of an Independent Insurance Agent
We all know how valuable your time is, so why do all the hard work yourself? Independent insurance agents stay on top of the industry and all the latest 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 at the beginning, either. If disaster strikes and you need to file a claim, they’ll be with you every step of the way, helping you meet deadlines and maximize your benefits. Now that's convenient.