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In Kenosha, WI, homeowners pay an average home insurance rate of $637 per annum. Kenosha homeowners can make use of discounts provided by home insurance companies to save as much as $257.

Home insurance companies tend to provide discounts on homeowners insurance based on the age of homes. Homeowners with newly constructed homes in Kenosha earn discounts of up to $204 on home insurance rates. On the other hand, Kenosha homes older than 50 years increase home insurance rates by up to $31.

Home insurance companies provide discounts up to $76 on insurance rates based on home construction type. Kenosha homes constructed using fire-resistant materials and superior materials get discounts of $76 and $70, respectively, on insurance rates. Masonry and brick homes earn a discount of $38, while homes that have a hail resistant roof get a $19 discount.

Kenosha reports a property crime rate of 18.11 for every 1000 residents in the current year. In fact, the state of Wisconsin is regarded highly for its low property crime rate. Home insurance companies offer substantial discounts on insurance rates for homes that are well equipped with safety features.

Homes located close to public service agencies are less prone to thefts and damage during fire breakouts and calamities. Kenosha homeowners can avail of a discount of $25 and $19, respectively, on homes located close to fire stations and police departments.

Home insurance companies tend to provide discounts for homes that are free from mortgage. Home insurance companies believe that homeowners feel more responsible for homes that are not under a mortgage. According to a study done by Vhome, Kenosha homeowners who have their homes under mortgage pay 3.5% of housing costs as home insurance costs.