HO-3/HO-5 Discounts

Pay even less with these rate-cutting discounts

In addition to your Premium savings, you can save even more with these discounts:

  • Newer Home Discount for houses up to 20 years old save more than 20% for homes up to 6 years old; (see savings chart).
  • Experience Credits give you progressively higher discounts for ages 35-44, 45-54 and 55+. When you reach each age bracket we will automatically increase the discount at the time of your policy renewal.
  • Protective Device Discount for installing smoke detectors and/or central station burglary and fire alarm systems
  • Auto/Home Multi-Policy Discount when you or your spouse insures a vehicle with Wolverine Mutual and garages it in the same state as your insured home. (Get a discount on your auto insurance, too!)
  • Higher Deductible Discount gives you substantial savings when you choose a higher deductible ($500 base)
  • Suburban Protection Discount for your home located in subdivisions outside larger city limits. To qualify, your home must be valued at $200,000 or more and be 20 years old or newer.
  • Insurance Scoring Discount. When we underwrite your policy, we use a number of sources to help us anticipate your loss potential. Research shows there is a statistical correlation between certain financial characteristics on your credit report and how often you will submit a claim. Your insurance score discount will be based on those financial characteristics and other considerations.
 

 

 

Quick Response

Need a quote on a new policy?

Your local Wolverine Mutual independent insurance agent will respond quickly to your request. Unlike discount insurance agents that limit your choices or force you to settle for an insurance package that’s “close” to the coverage you want, your Wolverine agent will listen to your actual needs. You’ll learn what are state-mandated coverages and get advice on which optional coverages best suit your circumstances. Your agent will show you what discounts you qualify for so you can save on your premiums year after year. And you’ll learn what payment plan works with your budget.