Homeowners in Huntsville, Alabama, pay an average home insurance rate of $1,315. The state of Alabama is known for relatively low home insurance rates, with an average of $1,168. Below is a list of discounts offered to Huntsville homeowners, which they can use to further reduce their home insurance rates.
Home insurance companies provide discounts to Huntsville homeowners based on the construction materials used to build the house. Huntsville homes built using sturdy materials are more resistant to damage, earning them considerable discounts from home insurance companies. For example, Huntsville homes constructed using fire-resistive materials and superior materials get discounts of $145 and $118, respectively, on their homeowners insurance. Homes built using masonry and brick earn a discount of $66, while homes with a hail resistant roof get a $26 discount.
Newly constructed Huntsville homes can avail of discounts of up to $355 on homeowners insurance. New homes have less propensity to damage. As a result, home insurance companies offer substantial discounts to newly built homes. On the other hand, older homes attract higher insurance rates. The average home insurance rates of Huntsville homes older than 40 and 50 years are $1,349 and $1,378, respectively.
Huntsville has a property crime rate of 33.27 per 1,000 residents. In the best interest of protecting their investments, home insurance companies offer discounts to homes installed with safety devices. For instance, Huntsville homes with deadbolts and fire extinguishers can avail of a discount of $158 and $132, respectively, on homeowners insurance. Homes installed with sprinkler systems and fire alarms receive a discount of $79, each, on homeowners insurance.
Home insurance companies provide special discounts to Huntsville homeowners based on their profession. Teachers, army personnel, and federal government employees can avail of special discounts on homeowners insurance. Also, senior homeowners in Huntsville can avail of discounts of up to $184 on homeowners insurance. Home insurance companies provide discounts to homeowners, depending on their claims history. In Huntsville, home insurance rates can increase by up to $158 based on the type and number of claims. Huntsville homeowners with a claims-free history can avail of discounts of up to $158 on home insurance.