Benefits and discounts

Roadside Assistance 

Whether you're traveling for business or pleasure, hitting the highways or the scenic route, our Roadside Assistance benefit helps keep your travel worry-free. If you get a flat tire, have a dead battery, run out of gas or something else unexpected happens, Roadside Assistance could help get you back on the road.³ Roadside Assistance does not pay for the cost of the battery or fluids (gas, oil, coolant, etc.).

Lifetime renewability 

So long as you remain a Costco Executive Member, you could receive lifetime renewability for your auto insurance policy. If something unexpected happens — or if it happens more than once — we're with you. Exclusions apply.⁴  

Good Driver discount (California only) 

Safe driving habits make roads safer for us all. Driving safely is also one of the easiest ways to lower your insurance premiums. For our policyholders in California, this is called a Good Driver discount. 

Premier Safety discount 

Policyholders may be eligible for the Premier Safety discount if all insured drivers have spotless records.⁵ Drivers in these households have not had any traffic violations, accidents or claims for the past four years.  

Premier Safety discount eligibility varies by state and underwriting company.

Defensive driver discount 

Have you ever thought about taking a "refresher" driving course? If so, we have an extra incentive for you. 

Take a "refresher" course approved by your state’s Department of Motor Vehicles (DMV) or an accredited organization, and we may reward your initiative with a discount. (This discount does not apply if you took the course while learning to drive, and drivers’ education classes cannot be used to secure this discount either.) 

To earn the discount, complete the course and present us with a copy of your certificate of completion. Other restrictions may apply.

Discounts for vehicle safety features 

Did you know that the safety features in your car could make your car insurance more affordable? In fact, these car insurance discounts are among the easiest to earn. If your car includes certain safety features, such as airbags, we may be able to provide you with additional discounts on your auto insurance: 

Garaging discount 

If you park your vehicle overnight in a garage, we may be able to offer you a discount for the added protection this provides. Availability is limited. Ask us whether this discount exists in your area. 

Good Student discount 

Good grades matter — and good students tend to be more responsible drivers. To show our appreciation for academic achievement, we offer car insurance discounts for full-time students who can prove they meet certain qualifications. Speak to a representative for more specific details on how to obtain this discount. 

Student Away discount

If your student attends school more than 100 miles away from your home and is without a car, you may be eligible for the Student Away discount. You can keep them on the policy for when they’re making a visit home, but you’ll pay less since they aren’t driving a vehicle regularly. 

Multi-vehicle discount 

We like to thank customers who do more business with us. If you insure more than one car with us, you may be entitled to a discount, sometimes called the Multi-Car Rating or Multi-Car Discount. It works like this: if you insure a number of cars, trucks or vans with us, we may offer you a lower rate. Pretty simple! 

Reimbursement for glass repair

If one of the windows on your home is broken and you report the claim, we could pay up to $1,000 towards the cost of the replacement or repair to the window. 

This is for home policies and is limited to two claims within any consecutive 12-month period. This $1,000 limit is included in the limit of liability for dwelling coverage and is subject to the conditions, limitations and exclusions described in the policy.⁶ 

Home lockout assistance  

If you find yourself standing on your doorstep with no keys, no worries! For Costco Executive Members, help is just a phone call away! You can receive service 24 hours a day, seven days a week! 

For homeowners policies, assistance could cover up to $100 per occurrence. Coverage is limited to two claims within any consecutive 12-month period and may be subject to specific conditions.⁷ 

Identity fraud expense protection

We want to help you if you become a victim of fraud. That’s why we offer identity fraud expense coverage. So if your identity is stolen, your policy could cover up to $15,000 in costs related to recovering from identity theft.⁸

Learn how to protect yourself from identity theft

Service line coverage

Did you know that homeowners are usually responsible when utility lines and pipes that run from the street to their house fail? That can mean big out-of- pocket costs. Your homeowners policy could help. Call us to find out what coverage could be available for you.

Equipment breakdown

Home appliances and equipment are continually getting more advanced — and getting more costly to repair or replace. That’s where Equipment Breakdown Insurance could help. While it doesn’t cover normal wear and tear, it could help if equipment in your home has a sudden failure. Want to learn more? Give us a call. 

Discounts for new and new-to-you homes 

Buying a new home is a big deal, especially if it’s a brand-new home or one that you’ve been dreaming about since before the foundation was poured. If you’ve built or purchased a home, congratulations! We’d like to help you celebrate. Ask if you qualify for a discount.

Discounts for protecting your home 

We know that safety is its own reward, but we could still celebrate the steps you take to make your home or condo even more secure. 

You may qualify for a discount if you have a centrally monitored or direct-line fire or burglar alarm, or if you have sprinklers in every room of your home. 

When you take steps to make your home safer and more secure, this is our little way of saying thanks.

Available discounts vary by state. Ask us what you might save.

Discount for roof replacement

You may save on your premium if you have completely replaced your roof (not a new layer on top of old shingles) within the last nine years.

To qualify for this discount, it must be available in your state and the work must have been completed by a licensed contractor and meet local codes.

Learn more about how insurance for your roof works

Multi-product discount

You have lots of choices when selecting an insurance company for your home, auto and umbrella insurance. That’s why we’re so grateful when you purchase more than one insurance policy through us. 

Our Multi-Product discount is one way we show our appreciation. If you bundle your policies through us, you could be eligible. 

It’s our way of doing more for those who do their insurance business with us.