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In Independence, Missouri, homeowners pay an average home insurance rate ranging between $814 to $1,103. Independence homeowners can use the discounts offered by home insurance companies to reduce their home insurance rates. Below is a list of the discounts provided to Independence homeowners that they can take advantage of to save on home insurance.


Newly constructed Independence homes can avail of discounts of up to $201 on homeowners insurance. New homes have a low propensity to damage. As a result, home insurance companies offer substantial discounts to newly built homes. In contrast, older homes attract higher insurance rates. Independence homes older than 40 and 50 years receive an additional charge of $25 and $46, respectively, on home insurance.

Home insurance companies consider the lifestyle of homeowners to determine insurance rates. If all the household residents are non-smokers, insurance companies offer special discounts on home insurance rates. Independence homeowners who own a swimming pool can attract an additional insurance cost of up to $57. Installing a fence around the pool with self-latching and self-closing gates will help homeowners receive discounts from home insurance companies. Additionally, senior citizens in Independence also receive discounts on home insurance.

Although most of the factors to avail discounts are not under the purview of homeowners, they can still benefit by choosing deductibles to reduce home insurance rates. Homeowners can avail of attractive discounts by opting for higher deductibles. Independence homeowners opting for a high deductible of $2,500 can avail of a discount of $269 on homeowners insurance. Homeowners receive discounts of $225 and $151, respectively, on deductibles of $2,000 and $1,500.

Home insurance companies provide discounts to homeowners who have a claims-free history. On the other hand, homeowners with prior claims can attract an additional charge on their home insurance premiums. The cost of home insurance in Independence increases by up to 44% based on the nature and number of claims. Independence homeowners who have a history of two fire claims and two water claims attract an additional charge of $401 and $315, respectively.