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Homeowners in Fremont, California, pay an average home insurance rate of $1,497. This is marginally higher than the national average premium of $1,438. Fremont homeowners can make use of discounts offered by home insurance companies to reduce their home insurance rates. Below is the list of discounts offered to Fremont homeowners.


Home insurance companies provide discounts to Fremont homeowners based on the construction materials used to build the house. Fremont homes that are built using sturdy materials make them more resistant to damage, earning them considerable discounts from home insurance companies. For example, Fremont homes constructed using fire-resistive materials and superior materials get discounts of $180 and $150, respectively, on their homeowners insurance. Homes built using masonry and brick earn a discount of $75, while homes that have a hail resistant roof get a $45 discount. Newly constructed Fremont homes receive discounts of $374 on home insurance rates.

Home insurance companies provide special discounts to Fremont homeowners based on their profession. Teachers, army personnel, and federal government employees can avail of special discounts on homeowners insurance. Also, senior homeowners in Fremont can avail of discounts of up to $210 on homeowners insurance. Home insurance companies provide discounts to homeowners depending on their claims history. Home insurance rates in Fremont can increase by up to $180 based on the type and number of claims. Fremont homeowners with a claims-free history can avail of discounts of up to $210 on home insurance.

The property crime rate in Fremont is 20.96 per 1,000 residents. Specifically, the burglary rate in Fremont is 3.76 per 1,000 residents. Homes equipped with safety devices are less prone to burglaries. Home insurance companies encourage Fremont homeowners to enhance the safety features of their homes by offering attractive discounts as incentives. For instance, Fremont homes with deadbolts and fire extinguishers can avail of discounts of $195 and $150, respectively, on homeowners insurance. Homes installed with burglar alarms and smoke detectors receive a discount of $130 each, on homeowners insurance.

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