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By: Ramu Garuda  September, 03, 2019

Homeowners in San Antonio pay an estimated homeowner’s insurance premium of $620 per year, which is much lower than the national average of $1228. This is due to factors such as low crime rates, better response times from the fire departments, and few possibilities of natural disasters in San Antonio. While living in San Antonio has its perks, homeowners can also do their bit to make their homeowner's insurance rates cheaper.

The first step is ensuring that the home property is built using fire-resistive material. San Antonio homeowners with brick veneer constructions get a 2% discount on their homeowner's insurance, and those living in masonry constructions get a discount of up to 11%. However, San Antonio’s with homes made of superior fire-resistive construction material are entitled to a massive discount of up to 27%.

Homeowners who have never filed an insurance claim are considered safe bets by insurance firms and are offered good discounts. So, San Antonio homeowners who have never filed a claim can get a discount of up to $83. On the other hand, homeowners who have filed a claim before might have to pay an additional amount of $93 on their insurance. Those who filed 2 claims before may have to pay an additional $135 on their homeowner's insurance.

Seniors in San Antonio are entitled to a discount of about $114 on their homeowner’s insurance rates.

San Antonio homeowners can also lower their homeowner’s insurance rates by ensuring better safety features in their homes. Installing deadbolt locks can get homeowners a discount of up to $176, and equipping the property with fire extinguishers can lower insurance rates by $104.

Functioning smoke detectors can lead insurance firms to give homeowners a discount of up to $166. Sprinkler systems can earn an additional discount of $135. A discount of up to $155 can be availed by installing fire alarms, and protecting with property with a burglar alarm system can get homeowners to get a discount of up to $155. A lightning protection system can also benefit San Antonio homeowners by a nominal discount of $21.

Bundling multiple insurance policies under one company is another option to lower your insurance premiums. San Antonio homeowners who bundle their home and auto insurance policies can get a discount of up to 10%. Those bundling their homeowner's insurance policy with a life insurance policy can avail a discount of 11%. Bundling all three insurance policieshomeowners, auto, and lifecan help homeowners get a discount of up to 26%.



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Ramu Garuda

Ramu is a research analyst with over 9 years of analytics & research experience. Prior to joining the company, he worked with some of the prominent consulting and market research firms in India, including Pride Technology (Supporting consulting projects to PWC), RR Donnelly, and The Hackett Group. His skills include company profiling, benchmarking, data and trend analysis, industry analysis, and report writing across the industries. Ramu holds a Master’s degree in Finance and Marketing. He also has a bachelor’s degree in Biotechnology.