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The average cost of home insurance in Elyria, Ohio, is $811. vHome’s extensive analysis reveals that Elyria homeowners can take advantage of discounts offered by home insurance companies to reduce their home insurance rates. Below are some of the discounts provided by home insurance companies to Elyria homeowners.


Home insurance companies provide discounts to Elyria homeowners based on the construction materials used to build the house. Elyria homes that are built using sturdy materials make them more resistant to damage, earning them considerable discounts from home insurance companies. For example, Elyria homes constructed using fire-resistive materials and superior materials get discounts of $97 and $81, respectively, on their homeowners insurance. Homes built using masonry and brick earn a discount of $41, while homes that have a hail resistant roof get a $24 discount.

Home insurance companies provide special discounts to Elyria homeowners based on their profession. Teachers, army personnel, and federal government employees can avail of special discounts on homeowners insurance. Senior homeowners in Elyria can avail of discounts of up to $105 on homeowners insurance. Newly constructed Elyria homes receive discounts of $219 on home insurance rates.

Homes equipped with safety devices are less prone to burglaries. Home insurance companies encourage Elyria homeowners to enhance the safety features of their homes by offering attractive discounts as incentives. For instance, Elyria homes with deadbolts and fire extinguishers can avail discounts on homeowners insurance. Homes installed with burglar alarms and smoke detectors also receive an additional discount homeowners insurance.

Additionally, home insurance companies offer discounts to homeowners based on their lifestyle choices. Elyria 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.