HomeSafe Discounts

You know about good driver discounts. How about a good homeowner discount? MAHA has negotiated with insurance companies and area retail stores to secure money saving HomeSafe℠ discounts for our graduates of Homeowner 201 or Condo Owner 202.

HomeSafe℠ FAQs What is HomeSafe℠ and what will I learn in the workshops? HomeSafe℠ is MAHA's homeowner resource center and it includes Homeowner 201 and Condo Owner 202, free workshops to help make your home or condo safe from unnecessary repairs, crime, fire, landlord/tenant disputes, lead paint, and foreclosure. In addition, graduates will learn about HomeSafe discounts, grants, low interest loans and other resources available to homeowners. How do I obtain discounts? After completing the workshops, graduates will receive a HomeSafe℠ certificate that is presented to participating insurance agents and a HomeSafe℠ card that is presented at retailers to receive the discount. Arbella Mutual and Harleysville Worcester Insurance are offering a 10% discount. Commerce/MAPFRE is offering a 7% discount. Liberty Mutual, Met Life Auto & Home, Quincy Mutual, Safety Insurance offer a 5% discount. Other home-related area businesses offer 10% discounts. Boston Building Resources and Mass Energy offer 1-year free memberships. Why are these insurance companies and retailers offering a discount? Insurance companies are looking for low risk homeowners. They feel that homeowners who take the workshops will file fewer claims and have fewer losses than other homeowners have. The retailers are supporting the HomeSafe℠ Education Initiative by offering a financial incentive to graduates of the workshops. Does taking the workshops guarantee that I will get insurance from one of these companies? Not necessarily. Insurance companies will still underwrite a policy according to their standard guidelines. However, legislation supported by MAHA has made it likely that there will be increased competition among insurance companies in urban neighborhoods and more homeowners have a better chance to secure an affordable insurance policy by participating in HomeSafe℠. How long will the discounts last? Most insurers will provide the discount each year that you remain in your home. MAHA will review our agreement with each participating company regularly. How much will I save with discounts? Prices of policies vary due to the type of house and the community in which you live. Here are two typical scenarios:

Policy Type Annual Cost Discount Annual Savings
Single-family $964 10% $96
Three-family $1,821 10% $182

The discount only applies to the base premium. Additional coverage such as replacement costs on personal property is not included in the discount agreement.
Other HomeSafe℠ savings are estimated below:

Retailer Yearly Spending Discount Savings
Norfolk Hardware* $500 10% $50
CORT (furniture) $500 20% $100
Drive-In Paint Mart $150 10% $15
Green Energy Consumers Alliance
Oil Heating Program
  1st Year Free Membership $25
Total Savings     $200