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Homeowners in Lancaster, CA, pay an average home insurance rate of $1,053 per annum. Vhome’s analysis reveals that homeowners can save up to $238 by making use of discounts provided by home insurance companies.

Home insurance companies tend to provide discounts to homes that are less prone to damage. Older homes have a higher probability of incurring more damage in comparison to newer homes. Taking this into consideration, home insurance companies provide discounts of up to $369 for newly constructed homes. On the other hand, homes older than 30 years will increase homeowners insurance by up to $51.

Home insurance companies provide discounts up to $126 on insurance rates based on home construction type. Homes constructed using fire-resistant materials and superior materials get discounts of $126 and $116, respectively, on their insurance rates. Masonry and brick homes earn a discount of $63, while homes that have a hail resistant roof get a $32 discount.

Homeowners also receive discounts on home insurance rates based on their lifestyle choices. Lancaster homeowners who own a swimming pool attract additional insurance rates of up to $126. Installing a fence around the pool with self-latching and self-closing gates will help homeowners get discounts from home insurance companies.

According to the Public Policy Institute of California (PPIC), California had a property crime rate of 2,491 per 100,000 residents. These numbers prompt home insurance companies to encourage homeowners to secure their homes. Lancaster homes fitted with security systems, burglar alarms, and deadbolt locks earn substantial discounts on their insurance rates. Homeowners also receive a discount of $42 and $32, respectively, if their homes are located close to fire stations and police departments.

Senior citizens in Lancaster receive discounts of $89-$91 on homeowner’s insurance. Homeowners who have multiple policies with the same insurance provider also earn considerable discounts on insurance rates.