Our Superior Home Coverage can't be beat
Our most comprehensive home coverage is your best way to save. When you add our *Homeowners Enhancement Endorsement to your home insurance for just an additional $45 in annual premium, you also get coverage for:
- Earthquake damage
- Equipment breakdown
- Sinkhole collapse
- Loss caused by water which backs up through sewers or drains
- Credit card, fund transfer, forgery and counterfeit money increase limit up to $2,500
- Refrigerated property damage up to $500
- Personal injury
- Special debris removal coverage up to $1000
* Homes built in 1975 or later are eligible
Save with expert advice
Your local independent insurance agent is your best resource for home and car insurance discounts. Think of them as your personal shopper. They have access to a whole network of insurance carriers rather than being limited to one insurer's options. They work for you by listening and searching far and wide for the best options tailored to your individual needs and wallet. They can also check into discounts for your new or current NNINS home insurance or car insurance policy. Don't miss out on this valuable opportunity for expert advice and valuable savings!
Bundle policies and save
We're all about looking at the big picture when it comes to the right coverage. Your family's insurance portfolio probably looks something like this: car insurance + home insurance or renters insurance, and maybe even the extra protection of personal umbrella insurance or cyber insurance. When you consider all your family's assets and insurance needs together, you can find just the right combination of protection. That's why we specially design our pricing to reward households with two or more policies.
When you purchase NNINS policies within 60 days of one another, you get:
- A 25% discount on your car insurance with an existing homeowners policy.
- An extra 10% off your home insurance or renters insurance with that auto policy.
You also qualify for an additional 5% credit for an umbrella insurance policy. Umbrella insurance can protect you with extra liability coverage for you and members of your family after your home, renters, and auto policy limits tap out, up to $1,000,000.
Other insurance discounts
We're all about providing generous savings to our members. We give discounts for:
- new homes — 10 years or less
- protective devices like smoke detectors, deadbolts, and alarm systems
- 5% off just for having a smoke-free home
- 5% off when you renew your policy after the 2nd year. That's a gift that keeps on giving every year you stay with NNINS!
If you are over 50, our mature member discount gives you an extra 5% off your homeowners insurance and renters insurance premium. We also have a senior discount for drivers over 55 that complete an approved driver improvement course.
That's not all for our car insurance discounts. Your policy could also qualify for discounts for a good student, anti-theft device, and safety equipment or Advanced Driver Assistance System (ADAS). We also give discounts for multiple cars on one policy, which can really add up for big families.
Did you know Virginia often makes the list of 10 worst states for deer collisions? We count deer collisions as no-fault claims to help our members save money in the fall when deer hits become much more challenging to avoid. This is just one more way we save you money on your car insurance.
Our extra coverages save money too
If that's not enough digital protection for you in our connected world, check out our Cyber Protection for less yearly premium than a dinner out for the family. With NNINS Home Insurance, you pay only $40 annually for extra protection for identity theft and cyber extortion expenses, data breach costs, cyberbullying expenses, and legal reimbursement for cybercrimes against you and your family.
Save with deductibles
Deductibles are your out-of-pocket costs when you have a claim. When you set higher deductibles, you pay more if you have a claim, but you save money by lowering your premium. Higher deductibles definitely require good financial planning and savings. You need to be prepared just in case you do need to pay that deductible. Without a claim, this can add up to real month-to-month savings and more money in your pocket throughout the year.
