Homeowners insurance discounts for disaster-proofing and home security devices

How it works

The Illinois Department of Insurance advises homeowners that some insurers offer discounts for certain risk-reducing improvements. The page gives examples of qualifying actions: disaster-proofing the home, adding storm shutters, getting a new roof, and adding home security devices such as alarm systems. It also says some insurers may offer a discount if you buy your auto insurance from them as well.

What the money covers

The page does not publish a standardized covered-items list or any required upgrade set. The examples it names are:

• Storm shutters
• A new roof
• Home security devices, such as alarm systems

The page frames these as insurer-offered premium discounts, not a state-funded rebate, grant, or tax credit.

Amounts and matching

No dollar amount, percentage, or maximum benefit is stated on the official page. Any discount is insurer-specific and may vary by company and policy.

How to apply

There is no state application form or approval process described. A homeowner would need to ask the insurance agent or insurer whether the completed home improvement qualifies for a discount.

Timing and deadlines

No deadline, opening date, or closing date is stated. The page presents these discounts as available at the insurer’s discretion.