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By: Ajay kumar Medagani October, 30, 2019

Homeowners in Ogden, Utah, pay an estimated homeowner's insurance premium of $1240 per annum, which is almost equal to the national average of $1228. This is possible because Ogden registers lower crime rates, better response times from the fire departments, and lower risk of natural calamities than other parts of the United States.

While Ogden homeowners can benefit from these inherent advantages, they can further lower their premiums by constructing homes using superior fire-resistant material. Such constructions can earn homeowners a discount of up to 17% on their insurance rates. Owners of brick veneer constructions can get up to a 3% discount, and homeowners in masonry constructions can earn a discount of 8%.

Homeowners who haven’t filed a single insurance claim are considered as safe investments for insurance companies, and the companies reward such homeowners with discounts. So, Ogden residents with no history of claims get $24 off on their premium. On the other hand, homeowners who have filed a claim before may have to pay an additional $34 on their insurance, and those with 2 prior claims may have to pay an additional $59. Senior citizens in Ogden get a discount of about $49 on their homeowner's insurance rates.

Ogden residents can lower their insurance rates by installing better safety features in their homes. Deadbolt locks can earn a discount of up to $58, and equipping the property with fire extinguishers can lower insurance rates by $93. Functioning smoke detectors and sprinkler systems fetch a discount of up to $68 and $34, respectively. A discount of up to $29 can be availed by installing fire alarms. Protecting the property with a burglar alarm system can earn homeowners a discount of up to $39. Ogden homeowners who have a lightning protection system are eligible for a nominal discount of $15.

Ogden homeowners can also lower their home insurance costs by bundling multiple insurance policies under one insurance company. Those who bundle their home and auto insurance policies can get a discount of up to 11%. Bundling a homeowners insurance policy with a life insurance policy can attract a discount of 10%. Bundling all three insurance policies—homeowners, auto, and life—can get homeowners a discount of up to 27%.

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