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The average cost of homeowners insurance in Union City, CA, is $1787. However, the cost of homeowners insurance is based on various factors, such as the size of the home, the year it was built, and the location. Therefore, the cost of insurance can vary widely from one policyholder to the next. To get an accurate quote for homeowners insurance in Union City, CA, It is recommended that you compare rates from multiple insurance companies to find the most affordable policy for your needs. This article will advise finding affordable homeowner's insurance in Union City, California.

By Choosing a Higher Deductible

Choosing a higher deductible typically reduces the cost of homeowners insurance in Union City, California. A higher deductible means you will have to pay more out of pocket if you make a claim, but it also means you will have a lower monthly premium. The exact savings will vary depending on the insurer, but typically you can save 10-15% on your premiums by choosing a higher deductible. For instance, Union City, California homeowners with deductibles of 500 and 1500 pay $1765 and $1504 in premiums, respectively. Homeowners pay $1365 and $1283 for homes with deductibles of 2000 and 2500.

By Installing Security Features

Installing security features such as deadbolts, smoke detectors, and burglar alarms can help reduce homeowners insurance costs in Union City, California. Insurance companies often offer discounts for homes with these features, as they reduce the risk of theft and fire damage. Additionally, installing security cameras may also provide an additional discount on premiums. It is important to check with your insurance provider to see what types of security features are eligible for discounts. For example, in Union City, California homes with deadbolts pay $1572 for home insurance.

By Maintaining a Zero Claims History

Having no prior insurance claims against your policy is referred to as having a zero claims history. This is significant since insurers frequently increase rates for customers who have previously made claims. You will be considered a lower-risk customer and more likely to be eligible for discounts and reduced rates if you continue to have no claims in the past. For example, in Union City, California residents who have never made a claim are required to pay a premium of $1537. Homeowners in Union City, California, must pay $1948 and $2001 for homeowners insurance when they have one or two claims.