Hero Homeowners Insurance Discounts by State (2026): Teacher, Nurse, Firefighter & Police Savings
California Casualty was built specifically for teachers, firefighters, police, and nurses, while Liberty Mutual folds a hero discount into its home and auto bundle in most states but not nine of them, including California itself.
Hero homeowners insurance discounts by state
Home insurance savings for teachers, nurses, firefighters, and police, insurer by insurer
How this differs from the car insurance side
Fewer insurers offer a standalone hero discount on homeowners insurance than on auto insurance. Most of the savings shows up two ways instead: a small number of insurers built their whole brand around public servants, or a mainstream insurer folds the hero discount into a home and auto bundle rather than offering it on the home policy by itself.
That makes the state-by-state picture simpler here than on the auto side. Liberty Mutual is the one insurer with a clearly published exclusion list, so it is the only one that changes by state below.
Insurers generally available nationwide
California Casualty was founded specifically to serve teachers, firefighters, police, and nurses, and offers home insurance with average savings up to 20 percent depending on profile and location.1 Farmers Insurance extends its affinity group discounts, built for police, fire, and teacher associations, across home policies as well as auto.2 Travelers applies its NEA teacher partnership discount to home and auto together.3 Chubb does not offer a profession-based discount, but its wildfire defense services and high liability limits make it worth knowing about for higher-value homes regardless of profession.2
Insurers that need a direct check first
State Farm and Allstate do not advertise a profession-based home insurance discount, but both are frequently recommended for home and auto bundling because their base rates run low enough that the bundle itself is competitive before any additional discount is applied.2 If you already qualify for a hero discount on your auto policy through one of these insurers, ask directly whether moving your home policy to the same company unlocks a comparable reduction.
Where it actually changes by state
Liberty Mutual is the one insurer here with a clearly published state-by-state rule. Jump to your state below.
| State | Confirmed available | Confirmed not available |
| Alabama AL |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Alaska AK |
Farmers, Travelers, Chubb | Liberty Mutual |
| Arizona AZ |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Arkansas AR |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| California CA |
Farmers, Travelers, Chubb | Liberty Mutual |
| Colorado CO |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Connecticut CT |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Delaware DE |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Florida FL |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Georgia GA |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Hawaii HI |
Farmers, Travelers, Chubb | Liberty Mutual |
| Idaho ID |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Illinois IL |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Indiana IN |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Iowa IA |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Kansas KS |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Kentucky KY |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Louisiana LA |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Maine ME |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Maryland MD |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Massachusetts MA |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Michigan MI |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Minnesota MN |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Mississippi MS |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Missouri MO |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Montana MT |
Farmers, Travelers, Chubb | Liberty Mutual |
| Nebraska NE |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Nevada NV |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| New Hampshire NH |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| New Jersey NJ |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| New Mexico NM |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| New York NY |
Farmers, Travelers, Chubb | Liberty Mutual |
| North Carolina NC |
Farmers, Travelers, Chubb | Liberty Mutual |
| North Dakota ND |
Farmers, Travelers, Chubb | Liberty Mutual |
| Ohio OH |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Oklahoma OK |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Oregon OR |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Pennsylvania PA |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Rhode Island RI |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| South Carolina SC |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| South Dakota SD |
Farmers, Travelers, Chubb | Liberty Mutual |
| Tennessee TN |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Texas TX |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Utah UT |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Vermont VT |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Virginia VA |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Washington WA |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| West Virginia WV |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Wisconsin WI |
Farmers, Travelers, Chubb, Liberty Mutual | None documented |
| Wyoming WY |
Farmers, Travelers, Chubb | Liberty Mutual |
California Casualty is included in every state above because it is licensed nationwide, though its roots and strongest presence are in California. Liberty Mutual excludes nine states from its FOP and IAFF discount specifically, this is the same exclusion list that applies to its auto discount.2
Bundling your home policy with an auto policy at the same insurer typically saves 10 to 30 percent on top of any profession-based discount, though whether the two combine depends on the insurer. See our Hero Auto Insurance Discounts by State guide for the auto side of this same comparison.
In California specifically, wildfire risk can push you toward the state's insurer of last resort. See The California FAIR Plan, Explained for what it covers, what it does not, and why most homeowners on it also need a second policy.
Sources and methodology
1. MoneyGeek, California Casualty Car Insurance Review, 2026.
2. The Zebra, Car Insurance for First Responders, 2026; ValuePenguin, Best Homeowners Insurance Companies of 2026.
3. NerdWallet, Best Home and Auto Insurance Bundles for 2026.
Availability shown here reflects each insurer's published state and eligibility rules as of August 2026. Insurers change state operations and discount programs over time, so confirm current availability directly with the insurer before applying. This is not insurance advice.
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