Homeowners in Seattle pay an average home insurance rate of $1,148. This is comparatively lower than the national average of $1,438. Seattle homeowners can make use of the available discounts to further reduce their home insurance rates. Below are some of the discounts available to Seattle homeowners.

Homes built using sturdy materials are less prone to damage. As a result, home insurance companies offer considerable discounts to homes built using damage-resistant materials. Seattle homes built using fire-resistive materials can avail of a discount of $138 on home insurance rates. Homes built using masonry and brick materials can avail discounts of $57 each while homes with a hail resistant roof receive a discount of $34.

Home insurance companies consider the lifestyle choices of homeowners before determining the home insurance rates. If all the residents of the household are non-smokers, insurance companies offer special discounts on home insurance rates. Seattle homes without a swimming pool also receive discounts on homeowners insurance. Households with pets are more prone to damage. Hence, Seattle homes with pets have higher home insurance rates.

Filing a claim takes a toll on home insurance rates. Seattle homeowners who have filed one or more claims in the past pay higher home insurance rates. On the other hand, homeowners can avail of discounts of up to $138 on home insurance if they have a no-claims history.

Homeowners who opt for a high deductible receive attractive discounts on home insurance rates. Seattle homeowners pay an average insurance rate of $1,134 if they opt for a deductible of $500. On the other hand, paying a higher deductible such as $2500 can reduce the average home insurance rate to $824. Seattle homeowners, opting for deductibles of $1,500 and $2,000, pay an average home insurance rate of $966 and $877, respectively.

Seattle has a notoriously high property crime rate of 53.45 per 1,000 residents. Specifically, it has a burglary rate of 10.82 per 1,000 residents. The chances of becoming a victim of property crime rate Seattle is 1 in 19. To protect their investments, home insurance companies offer discounts to Seattle homes installed with home safety devices.

Homeowners can choose to bundle their home and auto insurance policies with the same insurer to get attractive discounts on insurance rates. Seattle homeowners who have bundled their insurance policies receive a discount of $195 on homeowners insurance. Retired Seattle homeowners also receive a discount of $161 on home insurance rates. Furthermore, newly constructed homes in Seattle attract a discount of $253 on home insurance rates, due to their low propensity to damage.