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Condo Insurance Discounts

Save even more on affordable coverage with condo insurance discounts from Wawanesa

Wawanesa is not currently offering new condo insurance while we make some important changes to serve you better. If you need help with your existing Wawanesa, please call us at 800-640-2920.

Find Savings and Discounts on Your Condo Insurance

Wawanesa offers plenty of discounts available for condo owners to help them save even more on affordable condo insurance. For example, get an easy discount just for being a non-smoker or by bundling your condo and auto insurance policies together.[1]

Types of Condo Insurance Rate Discounts

Check the list below to see which discounts you may be eligible for that will help you save on your condo insurance premium. Discounts vary by state.

Multi-Policy Discount[1]

This discount couldn’t be easier to get. As long as your Wawanesa auto policy stays active, simply bundle it with your condo insurance policy to receive savings.

Home Protection Device Discount

You’ll qualify for this discount if your condo unit is equipped with one or more of the items listed here. Your savings will increase with each tier you have.

  • Tier one: Have a fire or smoke alarm installed in your unit.
  • Tier two: Have a fire or smoke alarm, dead bolt locks, and fire extinguishers installed in your unit.
  • Tier three: Have a fire alarm and/or a complete burglar alarm reporting directly to the Fire or Police Dept., or a Central Monitoring Station.

Non-Smokers Discount

This discount is good for your wallet and your health. As long as no one in your household smokes, you’ll qualify for this money saver. The non-smokers discount is truly a win-win.

Age of Homeowner Discount

Getting older has many benefits — one of which is to receive a discount on your condo insurance. If you or your spouse is 50 or older, you’ll get a reduction on your premium.

Sprinkler System Discount

If your condo unit is equipped with automatic sprinklers, you could be eligible for a discount. Sprinklers can either be “full” when they’re located in all rooms in the unit, or “partial” where they’re only present in certain rooms.

Water Alarm Discount

You’ll qualify for the water alarm discount if your unit is equipped with a professionally installed water leak detection device with an automatic shut-off valve.

Claims-Free Discount

If you haven’t had any claims after your first year with Wawanesa, you’ll qualify for the claims free discount. Plus, the longer you stay and go without a claim, the more you’ll save.

Loyalty Discount

Another easy discount to qualify for. Once you’ve been a member with Wawanesa for a year, the loyalty discount will automatically be applied. And even better — as the years add up, your savings will grow.

Save on Condo Insurance with Wawanesa

On top of affordable condo insurance premiums, Wawanesa covers all the bases with customizable coverages, award-winning customer service,[2] and 24/7 claim-filing access. Wawanesa also delivers on the discounts.

Money-saving discounts vary by state, so find out which ones apply to you.

California Condo Insurance Discounts

Find Your Local Condo Insurance Discount Near You

Wawanesa has the coverage and discounts you need to save even more on condo insurance. Discounts vary by state, so start your quote online or call 800-640-2920 to find out more. Our helpful agents can assist in customizing your coverage and help you get all the discounts you’re eligible for.

Frequently Asked Questions About Condo Insurance Discounts

How do I ask for condo insurance discounts?
Asking for condo insurance discounts couldn’t be easier. Simply start your quote online or speak with one of our helpful agents at 800-640-2920 and they’ll let you know which discounts you’re eligible for.
How do I get the best condo insurance rates?

There are several factors involved in getting the best rates for your condo insurance. First, understand what’s covered under the condo association’s master policy. Then, do a complete inventory of the inside of your unit. That includes any upgrades you have done to the inside of the unit such as cabinets, floors, and personal belongings like appliances, furniture, books, electronics, etc. If you have items of higher value like furs or jewelry, for example, have them appraised so you know how much extra coverage you may need. The last step is to understand what optional coverages are available so you can be sure you’ve got enough insurance coverage.

Learn about the various condo insurance coverage options available to you.

What are the discounts for condo insurance?

Wawanesa offers several discounts to help you save even more on your condo premium. For example, we have the following easy ways to reduce your rates:

  • Multi-policy discount[1] — bundle your auto policy with condo insurance
  • Home protection device discount — install a fire or smoke alarm, dead bolts, fire extinguisher, or burglar alarm.
  • Non-smokers discount — have a non-smoking household.
  • Age of homeowner discount — you or your spouse are 50 years or older.
  • And other discounts that you may be eligible for.

Start your quote online or call one of our helpful agents at 800-640-2920.

Do condo insurance discounts vary from state to state?

Yes, each state has different regulations and rating factors that determine what discounts you may be eligible for.

See all the condo insurance discounts offered in your state.

Who qualifies for condo insurance discounts?

Anyone who buys a condo policy can qualify for discounts if they meet the requirements. For example, if you and your other household members are non-smokers, you’ll get the non-smoking discount. But there are multiple discounts you could be eligible for. Speak to one of our helpful agents by calling 800-640-2920 to help you determine which condo insurance discounts you may qualify for.

Have more questions on condo insurance? Visit our FAQs page to find answers on common questions relating to coverage, discounts, and more.

Condo Insurance FAQs


  1. Wawanesa is not currently offering new condo insurance while we make some important changes to serve you better. If you need help with your existing Wawanesa condo policy, please call us at 800-640-2920.
  2. Wawanesa Insurance received the highest score in California in the J.D. Power 2023, 2022, 2021, and 2020 U.S. Auto Insurance study of customers’ satisfaction with their auto insurance provider. Visit

Please note that this website provides only a summary of condo insurance to generally illustrate how condo insurance works. Your insurance policy is the legal contract containing the terms and limitations of your coverage. Any coverage provided by a Wawanesa General Insurance Company policy is subject to the terms, conditions, exclusions, and endorsements of your insurance policy.

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