It can vary from one insurance company to another whether being a home owner can give you a lower rate quote or not.

Insurance companies rating systems and underwriting rules differ so some may factor in if you are a homeowner while others may not.

There are many insurance companies that will give you a discount if you have both your auto insurance and homeowners policies both through them. This is typically referred to as a multi-line discount.

So while it varies by insurance company and their filed rates, in general those owning a home do receive lower rate quotes. Some companies that offer homeowners or renters coverage may ask this question just to see if they can qualify you for a multi-policy discount.