Homeowners Discounts

The Multi-Policy Discount is applicable to Auto policies if NYCM Insurance also holds your homeowner and/or umbrella policy.

Learn More About Multi-Policy Insurance >

If everyone listed on your policy are at least 55 years old and one (or more) of them are not presently employed full time (defined as 20 or more work hours per week), this discount may be applicable.

Insured parties who have not submitted a claim in the past five consecutive years, regardless of your insurance carrier(s) during that time period, are eligible for a discount.

Policyholders who work at least 20 hours per week from home may qualify for a discount on their premium.

If you purchase a home within the 12 months prior to or on the original effective date of your policy, you may qualify for a discount.

These discounts can be applied to homes that are at least 20 years old.

To qualify:

• A) The roof must have proof of purchase and installation.
• B) The primary heating source must have been replaced within the last 10 years and have proof of purchase and installation.
• C) The discount will apply for 20 years from the installation date.

If your home has been certified as “Green” by the US Green Building Council LEED (Leadership in Energy and Environmental Design) for homes rating system, or meets the requirements of the National Association of Home Builders Green Building Guidelines (NAHB), you may be eligible for a discount by providing proof of certification.

If your residence is located within a gated community, you may qualify for a discount on your premium. A gated community is a subdivision or neighborhood, often surrounded by a barrier, to which entry is restricted to residents and their guests.

Approved and properly maintained installations of burglar alarms, fire alarms, automatic sprinklers, water alert systems, temperature alert systems, portable or automatic generators, deadbolt locks, and fire extinguishers in the dwelling may qualify for a premium credit. Contact your agent for more details about this discount opportunity.

There are various qualifications that your mobile home park must meet to allow for this discount including: having permanent utilities, streets paved wide enough for fire trucks, being located within 5 miles of the responding fire department, your home must be on a permanent foundation there, and more. Contact your agent for additional information about this discount.

This discount applies for all manufactured doublewide homes.

If your home is three years old or newer, you may be eligible to receive a discount on your policy.

If your mobile home has an approved method of Tie Down protection, you may qualify for a discount. Contact your agent to learn more about this credit opportunity.