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By: Hemanth Ramesh September, 25, 2019

Homeowners in Tucson, Arizona, pay an average homeowner's insurance premium of $1,060 per annum, which is lower than the national average of $1,228 per annum. This is possibly because metropolitan cities have lower crime rates, report better response time by the fire department, and are less prone to natural disasters.

Constructing homes with superior fire-resistant material can help lower the insurance rates for Tucson homeowners, with insurance companies offering discounts of as much as 25%. Homeowners living in brick veneer constructions can earn a discount of as much as 3% on their insurance premiums, whereas those with masonry homes can get a discount of up to 8%.

Tucson homeowners who haven’t filed an insurance claim before can get a discount of $56. However, those who have filed one claim before may have to pay an additional $37 on their homeowner's insurance and homeowners who have filed 2 claims may have to incur an amount of $87.

Senior citizens of Tucson get a discount of about $87. Bunker Hill home insurance offers a 15% discount for superior constructions and CSE Insurance provides a 10% discount following a home inspection.

Another way for Tucson homeowners to lower their home insurance rates is by installing safety and security features on properties. For instance, deadbolt locks can fetch a discount of about $111, fire extinguishers can ensure a discount of about $111, and smoke detectors can attract a discount of $43. Fire and burglar alarms can get a discount of $99 and $80. Lightning protection systems earn you a discount of $19. Sprinkler systems fetch a $56 discount. 


Bundling insurance policies can also generate big savings for homeowners in Tucson. Bundling home and auto insurance can attract a discount of at least 13%. Bundling homeowners with life insurance can help homeowners get a discount of about 10%. Bundling all three insurance policies—home, auto, and life—can earn Tucson homeowners a discount of as much as 22%.



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Hemanth Ramesh

Hemanth Ramesh works as a writer for Gavop. He has previously written content for film promotions, start-ups, advertising agencies and event management firms. Hemanth Ramesh completed his MA in Journalism and Mass Communication from The English and Foreign Languages University. His other passion includes script writing.