Homeowners in Bristol, Pennsylvania, pay an average home insurance rate ranging from $638 to $865. This is significantly lower than the national average premium of $1,438. According to vHome analysis, homeowners can save up to $300 by using different quotes. Bristol homeowners can make use of discounts offered by home insurance companies to further reduce their home insurance rates. Below is the list of discounts offered to Bristol homeowners.


Home insurance companies provide discounts to Bristol homeowners based on the construction materials used to build the house. Bristol homes that are built using sturdy materials make them more resistant to damage, earning them considerable discounts from home insurance companies. For example, Bristol homes constructed using fire-resistive materials and superior materials get discounts of $113 and $72, respectively, on their homeowners insurance. Homes built using masonry and brick earn a discount of $40, while homes that have a hail resistant roof get a $16 discount. Newly constructed Bristol homes receive discounts of $193 on home insurance rates.

Home insurance companies provide special discounts to Bristol homeowners based on their profession. Teachers, army personnel, and federal government employees can avail of special discounts on homeowners insurance. Also, senior homeowners in Bristol can avail of discounts of up to $114 on homeowners insurance. Home insurance companies provide discounts to homeowners depending on their claims history. Home insurance rates in Bristol can increase based on the type and number of claims.

Homes equipped with safety devices are less prone to burglaries. Home insurance companies encourage Bristol homeowners to enhance the safety features of their homes by offering attractive discounts as incentives. Homes installed with burglar alarms and smoke detectors receive a discount on homeowners insurance. Similarly, homes close to public safety departments receive a discount on homeowners insurance. For instance, homes close to the fire department receive a discount of $24.

Additionally, home insurance companies offer discounts to homeowners based on their lifestyle choices. Bristol homeowners can earn considerable amounts of discounts if all the household members are non-smokers. Households without pets and swimming pools can also avail of discounts on home insurance.