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Homeowners Insurance Premium Discounts for Loss-Mitigation Devices and Systems
New York State Department of Financial Services · State program
Insurer-specific discount amount not stated.
DFS says New York insurers may offer homeowners premium discounts for loss-mitigation devices and systems such as deadbolt locks, smoke alarms, fire extinguishers, sprinkler systems, and security systems. Homeowners are told to ask their insurer what savings apply.
Program details
How it works
DFS explains that a homeowners insurer may offer a premium discount if you install devices in your home that help minimize losses or deter them.
What the money covers
The DFS page lists examples including dead bolt locks, smoke alarms, fire extinguishers, sprinkler systems, and security systems. The page is general and does not claim every insurer offers every discount.
Amounts and matching
No dollar amount or percentage is stated on the page. The amount, if any, depends on the insurer.
How to apply
The page advises homeowners to ask their insurer about available premium discounts. It also says homeowners should review their insurance policy for discount information.
Timing and deadlines
No deadline is stated.
Full eligibility details
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