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By: Ajay kumar Medagani October, 04, 2019

In Sacramento, California, the average homeowner's insurance premium is $970 per annum, which is moderately lower than the United States’ national average of $1,228 per annum.To reduce their home insurance premiums further, Sacramento, homeowners can consider the options recommended below.

Constructing homes with superior fire-resistant material can help Sacramento homeowners get a discount of up to27% on their insurance premiums. Homeowners living in brick veneer constructions can get a discount of up to 5%, whereas those with masonry homes can get a discount of up to 8%.

Sacramento residents who have never filed an insurance claim can get a discount of $55 on their premiums. However, those who have filed one claim have to pay an additional $43, and for 2 filed claims, this amount increases to $74.

Senior citizens of Sacramento are entitled to a discount of about $61 on their homeowner's insurance.

AAA Home Insurance offers a discount of 13.5% for specific roof types. Nationwide offers a multiline discount of 20%, while Bunker Hills Insurance offers a 5% advanced issue discount.

Installing safety and security features on properties is another way for Sacramento, homeowners to lower their home insurance rates. For instance, homes that have deadbolt locks are eligible for a $55 discount. Functioning fire extinguishers can ensure a discount of about $31 and smoke detectors can attract a discount of $116. A $67 discount can be availed for homes with sprinkler systems. Fire and burglar alarms can get a discount of $67 and $55 respectively, and a discount of $25 can be availed for a lightning protection system.

Bundling insurance policies can also generate big savings for homeowners in Sacramento. 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 11%. Bundling all three insurance policies—home, auto, and life—can earn Sacramento homeowners a discount of up to 22%.


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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.