Want a Home Insurance Discount? Join Any of These 4 Organizations

Yes, you may be eligible for a break on homeowners insurance simply because you belong to a wholesale club, nonprofit or other organization.

Want a Home Insurance Discount? Join Any of These 4 Organizations Photo by Alexander Raths / Shutterstock.com

If you’re a member of anything from AARP to Costco, you might be paying too much for home insurance.

Various organizations offer their members discounts on such things as eye care, car insurance and homeowners insurance.

Following are several examples of groups that offer homeowners insurance discounts to at least some of their members. If you don’t belong to any of these groups, you will find other ways to save in “8 Foolproof Ways to Slash the Cost of Homeowners’ Insurance.”

1. AAA

This nonprofit federation of motor clubs offers various types of insurance programs, but the details vary from one AAA club to another. Check the website of the club for your region to see what kind of insurance discounts it may offer.

Visiting AAA.com should redirect you to the website for your region’s AAA club.


This nonprofit interest group for folks ages 50 and older offers members savings through its homeowners insurance program from The Hartford, according to The Hartford’s website.

3. Wholesale clubs

If you belong to or are considering joining a wholesale club, ask about homeowners insurance discounts for members.

For example, Costco partners with Ameriprise to offer an “exclusive discount” on home insurance. The program is unavailable in a handful of states and Puerto Rico, however.

Similarly, BJ’s partners with Geico.

4. Various other organizations

If you belong to some other form of membership organization, there may be an insurer with a homeowners insurance discount for you.

Insurer Safeco reports other types of groups that may offer the membership benefit of homeowners insurance discounts include:

  • Alumni associations
  • Auto clubs
  • Professional groups
  • Unions

Have you ever taken advantage of home insurance discounts that come with a membership? Tell us what you thought of the perk by commenting below or on our Facebook page.

Karla Bowsher
Karla Bowsher
I’m a freelance journalist and former newspaper reporter who has covered both personal and public finance. I've worked for a top 50 major metro daily and a community newspaper as well as ... More

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