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Ask a prospective homeowner's insurance company you are considering how they show their customer appreciation. Often times a company will offer discounts for valued and loyal customers, meaning you will be eligible for a percentage discount on your policy after a certain number of years.
Even if the discount comes in three or five years, it is worth it to ask. Homeowner's insurance is as much about the future as it is about the present. If they have no such programs or they are not as rewarding as another company's is, tell them. Maybe they can work something out for you. It never hurts to ask.
These types of benefits are great, but they do not have to be deal-breakers. If a provider has the rates and policies you are looking for and you feel comfortable with their customer service, that is more important than a three percent discount five years from now. Discounts are like the cherry on top of the ice cream sundae. They look and taste nice, but the sundae is the most important part.