As a home insurance policyholder with The Andover Companies, you may be able to take advantage of a variety of cost-saving discounts and credits. See if you are eligible by contacting an independent insurance agent in our network.
Exceptional insurance coverage solutions for your property do not have to come at a high price. If you qualify for any of our homeowner discounts or credits, you may be able to lower your home insurance premium.
One or more of the following homeowner discounts and credits may be available to you through our Superior Home Insurance Protection Plan. Learn how you may qualify for these money-saving options.
* Please note that available discounts and credits vary by state. Contact your local insurance professional for more information.
Placing homeowners and auto insurance policies with the same local insurance agency.
Securing additional coverage with us, such as Personal Umbrella Liability, Watercraft, Dwelling Fire, or Businessowners.
Installing sprinkler systems and/or local, central station, or self-monitored burglar and fire alarms at your property.
Remaining insured with us for at least three years and, when insured with us for seven or more years, the credit may increase.
Having an automatic backup generator professionally installed into your home’s electrical system.
Putting low-temperature sensors in your house to alert you when temperatures fall below a preset level.
Installing water leak detection systems—those that include a smart, whole-house water shutoff valve may earn a more significant discount.
Most properties are best insured by an HO-3 or HO-5 policy because both policies include six essential home insurance coverages. The key difference is in the coverage they provide for personal belongings.
Since Dwelling Coverage and Other Structures Coverage typically help homeowners pay for repairs, replacements, or the cost to rebuild their property after a covered loss, having the right coverage amounts is crucial.
While a Dwelling Fire Insurance Policy and a Homeowners Policy are both designed to protect residential properties, they are not interchangeable. Instead, these policies have distinct functions and differ in three key areas: the types of residential properties they cover, the coverage areas they include, and the kinds of property threats they cover.
If your personal belongings are damaged or destroyed because of a covered loss, how much your insurance company reimburses you for the costs to repair or replace your items often depends on whether your Homeowners Policy includes Actual Cash Value (ACV) or Replacement Cost Value (RCV) Coverage on Contents.
“I feel comfortable having my insurance with The Andover Companies. I know that if something terrible happens, they will be there to support my family and guide us through the process. Insurance can be confusing, especially when you have multiple policies, but they have simplified the details so we can understand everything easily!”
“The Andover Companies service team is professional, personable, and extremely helpful. We’ve had our homeowners insurance with The Andover Companies for over seven years and are happy to have recently added our secondary home with them in another New England state. I highly recommend insuring with them.”
“You can truly understand the value of your home insurance when you have a claim. My husband and I experienced firsthand how easy it was to work with The Andover Companies. A tree fell on our property, blocking the driveway. We submitted a claim with Andover and within days had a check in hand to reimburse us for the tree removal. The process was seamless.”
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