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In Aurora, CO, homeowners pay an average homeowner’s insurance rate of $884 per annum. According to Vhome’s research, homeowners can save up to $346 on home insurance rates by making use of the discounts provided by home insurance companies.

The average home insurance rate of a home in Aurora varies from $112 to $1,690, depending on the age of the home. Newly constructed homes in Aurora earn a discount of up to $239 on insurance rates. On the other hand, homes older than 50 years attract an additional charge of $42 on insurance rates.

Home insurance companies provide discounts of up to $106 on insurance rates based on home construction type. Aurora homes constructed using fire-resistant materials and superior materials get discounts of $106 and $97, respectively, on their insurance rates. Masonry and brick homes earn a discount of $53, while homes that have a hail resistant roof get a $27 discount.

Senior citizens in Aurora receive discounts of up to $132 on homeowner’s insurance.   Homeowners who have multiple policies with the same insurance provider also earn considerable discounts on insurance rates.

The state of Colorado reported a high property crime rate of 31.01 per 1,000 residents in the current year. Aurora’s property crime rate is 30.04 per 1,000 residents, which is on par with that of Colorado. Taking these numbers into consideration, home insurance companies provide substantial discounts to homes equipped with safety features. Aurora homes located close to police stations and fire departments earn discounts of up to $27 and $35, respectively.

Homeowners can also earn discounts on home insurance rates by opting for a high deductible. According to a study done by Vhome, Aurora homeowners can save up to $1,800 for a lock-in period of 8 years by opting for a high deductible of $4,000 in place of $1,000.