Chula Vista, CA, homeowners can lower insurance rates by 32%
By: Ajay kumar Medagani October, 22, 2019
In Chula Vista, CA, the average homeowner's insurance premium is $980 per annum, which is moderately lower than the national average of $1,228 per annum.
Chula Vista homeowners can reduce their home insurance premiums further by constructing homes with superior fire-resistant material, as insurance companies offer discounts of up to 25% on such homes. Homeowners living in brick veneer constructions can get a discount of up to 4% on their insurance premiums, whereas those with masonry homes can get a discount as high as 16%.
Chula Vista homeowners who have never filed an insurance claim before can get a discount of $45. However, if you have filed a prior claim, you will have to pay an additional $45. Moreover, for 2 filed claims, this amount increases to $89.
Senior citizens of Chula Vista earn a discount of about $89 on their homeowner's insurance.
Traveller Insurance offers a 15% multi-policy discount for Chula Vista homeowners, and Bunker Hill Home Insurance offers a discount of 5% for hurricane loss prevention. Nationwide offers a 5% personal status discount, while CSE Insurance offers a 5% loyalty discount for long-time customers.
Installing safety and security features on homes is another means by which Chula Vista homeowners can lower their home insurance premiums. For instance, homes that have deadbolt locks are eligible for a $51 discount. Functioning fire extinguishers can secure a discount of about $108, while smoke detectors can get a discount of $78. An $89 discount can be availed for homes with sprinkler systems. Fire and burglar alarms can earn a discount of $108 and $70 respectively. A discount of $25 can be availed for a lightning protection system.
Bundling insurance policies can also generate big savings for homeowners in Chula Vista. Bundling home and auto insurance can attract a discount of at least 12%. Bundling homeowners insurance with life insurance can help homeowners get a discount of about 10%. Bundling all three insurance policies—home, auto, and life—can earn Chula Vista homeowners a discount of up to 27%.
ABOUT THE AUTHOR
Ajay Kumar Medagani
Ajay Kumar works as a data analyst with Gavop. A (software) engineer by profession, he utilizes his well-established programming skills in big data, to derive insights from a wide variety of data sets. A engineering graduate from JNTU his passion involves analyzing raw data, infographics and other visual aids for research.
